Mortgage

Unorganized & felt like the gm who said he'd get things moving in the right directions just made things worse & caused tension between the parties involved. The appraisers they used seemed untrained & it cost me $900 that I didn't see back. In 3 days I will be in the house that this company couldn't get and basically laughed & said good luck when it came out I was going to another lender.

My son, who graduated from college last year, found employment in the Blacksburg area. We've been helping him in recent months to buy a place there. A realtor in my hometown (3h away from Blacksburg) referred me to an Agent with Long & Foster in Blacksburg. My son identified a good listing last March which this Agent showed to my son. We asked the Agent to put an offer. He made a verbal offer to the listing agent, but not in writing. We asked him to submit a written offer. Then he said that the listing agent had a couple of "good" offers, and that the listing agent told him not to bother with submitting our written offer. I was not happy with such interaction. Two days ago, my son identified another listing as a very good opportunity (listed the day before), and he emailed it to me. From the listing, I found the listing agent, and texted her if she could show us the property asap because I thought this would be the quickest way to actually see the property. I did not ask the listing agent to represent us specifically. The listing agent replied to my text, saying that she could not show us the property. I have no agreement with the Long & Foster Agent to represent us, nor do I have any obligation to work with him on this listing. So, I was free to work with any agent. After my son contacted the Long & Foster Agent to show us the property, I texted the Agent about showing us the property. The Agent accepted to represent us, and indeed he showed the house to my son yesterday late afternoon. My son then sent me pics and videos of the house, and we were ready to make an offer via the Agent. But, to my shock, the Agent texted me saying that he had just contacted the "other agent" (which I understood as the listing agent), and she had disclosed to him that I had asked her to show us the property. If true, what right did she have to disclose to this Agent that I had contacted her? The Long & Foster Agent also said that she told him that I had asked her to represent me, which was totally false (I did not ask her to represent me, my text message is proof). The Agent then angrily said in his text message that he is dropping us, and refused to continue with our representation (though he had already accepted our representation and showed the property to my son). I therefore became unable submit my offer because of the limited deadline. So, we've lost the chance to purchase the place since today is the deadline. I believe that such behavior is unethical.

Humiliated and disrespected are two appropriate words I can use to describe my experience. Was denied for a USDA loan with a 655 credit score based off of old student loans under closed accounts. Never mind that I met all of the qualifications of this loan. At best, I received a denial letter in the mail that was very inaccurate about the reason(s) of the denial and without so much as a phone call or "Thank you for applying for a loan with us." I wasn't even given any recommendations on things I can do to get approved. This was discrimination and ignorance at it's finest.

Scott Vaughan did an amazing job putting together a mortgage loan for us with a better rate and terms than we thought possible! He negotiates the process with the skill and knowledge of a true professional.

Christine and Melissa did a great job securing us a mortgage that met our needs.

My husband just passed away and had a truck in his name only. I called union they offered no other solution except for me to drive 1 he 40 mins. I can hardly breathe much less drive. I believe they could have been of assistance.

Wonderful folks who helped greatly with our loan application process.