For anyone skeptical about NVR Mortgage

I sent an email to my Loan Officer and Underwriter earlier this week to double check what paperwork they might still need and to make sure we would have totals for the closing before we fly to Ohio four days before closing and are unable to access our bank.

I got an email back from the LO the same day with some of the information I was looking for, but today, I got a phone call from the underwriter who was out of the office when I sent my email.

She called to follow up (wut?!)

I have read so many posts about bad communication and poor follow through and she completely amazed me with her thoroughness.  She basically said we were all set to close and then listed off three things that were coming my way for signature and mentioned the one thing I would need to get her before we close.  Annnnnd we're all done! 

WOOHOO!!

Thoughts on an NVR Mortgage

I've read a lot of things about working with NVR Mortgage and while our experience hasn't been perfect, it has not been remotely terrible.  I'll keep this short but wanted to share my thoughts.

• We have worked with four people - our first contact, our current loan officer, our underwriter and the settlement lady.  It has not been a nightmare.
• I asked early on who my main point of contact should be and was told our loan officer.  He has been fantastic to work with and very responsive to my many questions.
• Your loan officer should give you an idea of when you can start watching rates and when you can lock.  I am a bit anal, so I had them start sending me rates in March, knowing we would be closing sometime in May.  My LO emailed me the rates every day around 1:00pm.  Some days he forgot, but it wasn't a big deal.  I tracked the rates in an Excel spreadsheet (happy to share it with you if you'd like to see it) so I could watch trends.  We locked our rate about a week before we did our pre-drywall walkthrough.  It expires on June 29th and we are scheduled to close on May 25th.  
• There is a ton of paperwork.  That's just a mortgage period.  I keep asking my underwriter if I need to send her anything else so I am pestering her rather than waiting for her to hit me with something last minute (which still could happen).
• Be patient with the process.
• Be willing to be the one reaching out and asking questions.
• Tell them what you don't understand - they live and breathe mortgages, we do not.  I asked my LO to explain something and he was happy to do so.
• Ask the questions that come to you when they come to you.  I can't tell you how many times I've sent off a one line email because it was on my mind.