No, really. I realize that many folks have had terrible experiences with NVR. So much so that I've been hesitant to say too much about our positive experience. Also, I was afraid to jinx myself. But now that we are a full 2 weeks past closing and the deed showed up in the mail this week, I feel pretty safe.
We may be the exception, but things did clock along without incident. During the whole process, the loan officers (there were two) were helpful and responsive. They responded within 24 hours and sometimes much less to questions and requests, even working up multiple good faith estimates while we were debating about some upgrade options.
Our loan officer reached out in early July (more than two months before closing) to start the ball rolling on re-approval with a thorough list of documentation needed. We got a few requests out of underwriting for additional documents, but nothing crazy. Mostly some bank statements and a copy of a check that was a monetary gift from a family member.
Closing was a dream. No surprises. Lots of signatures. (And trying not to puke over the amount of our taxes - yikes!)
Are we special? Nope, not at all. We came to the table with a good credit score and a great debt ratio. But really, I think we just got lucky. Our loan officers were proactive and made this process as smooth as possible.
So, why this post? With so many legitimately negative stories out there, I wanted to share that sometimes NVR does work as it should. Much like the rest of this build process, it does seem to be largely dependent on the people you are working with. We'll be letting NVR know how great our folks were and I hope that they work to get more employees like that.
We had a wonderful experience with NVR too!
ReplyDeleteWe had a great experience with our loan officer. We even got a call from the district sales manager when there were some federal regulations that affected our loan. He wanted to make sure we knew that NVR was going to take of the issues caused by these changes. They were wonderful to work with. Our loan processor, however, was a piece of work. She kept losing things and couldn't provide clear answers. She couldn't read our bank statements and was just incompetent. I couldn't wait to close so I would never have to deal with her again. If not for her, our NVR experience would have been painless. Glad you had a good experience with them!
ReplyDeleteSo far, no real issues with NVR either. I have been shopping around, because it's a good thing to do, and when I called my NvR rep, she was more than willing to match fees talk about incentives for us. Actually, she called from her mothers home, because she had taken the week off to care for her. I told her to call next week, my loan ?'s are not more important than her mama. Definitely a hard worker and very knowledgeable about companies relocation packages.
ReplyDeleteWe did as Catherine, and they matched the fees and waived others. However they did make mistakes and the reductions did not show on the HUD 1 statement. There was an error on the survey that we caught too. The people were very nice and were not at all unpleasant to work with, you just have to watch you back and that goes with any company!!!!!!!!!
ReplyDeleteI'm glad that you've had a great experience with NVR.
ReplyDeleteWJ we closed yesterday morning and I must say that we had a great experience with NVR mortgage. Lisa and I both feel that was the easiest part of the entire build process. More than likely we had the same loan officers as you and I agree they were fantastic
ReplyDeleteHonestly, I am grateful for Ryan Homes, NVR, and the entire team who has worked with us!!! Without the contribution from all of them, we will not be building our HOME! There may have been some loop holes, dunno! There may have been some oversights, dunno! However, what I do know for sure is that with every experience good or bad, there is something to be grateful for--a lesson learned or a testimony to share or knowledge to pass on! AND most importantly, a BEAUTIFUL HOME TO MOVE INTO AND SHARE WITH YOUR LOVED ONES! :-)
ReplyDeleteI am glad that you had a great experience. We had an awful experience that the manager ended up turning around and everything ended on a great note.
ReplyDeleteGood to hear it. We had a great experience with NVR as well. Pretty smooth.
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