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Reply to "USAA mortgage pre-approval issues?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Interesting. We purchased last year and our agent strongly discouraged Navy Federal for the same reasons but had no problem with us going with USAA (even though he strongly pushed a local lender). We closed in 30 days and had zero issues.[/quote] +1 Same, but we had heard bad things about USAA's mortgage services, even though everything else is fantastic, so we steered clear. We went with Navy Federal over the advice of our realtor for a number of reasons, but mainly because they had the lowest rates at the time. We also closed in 30 days and there were zero issues. They were responsive, efficient, and delivered everything to the title company the day before we closed. I honestly think it depends on the people you end up working with though. [/quote] Is this USAA problem or just the presumption that if you are going to use USAA and/or Navy Federal that you will be using a VA loan with Zero down. I successfully bought in the area with a VA loan but i did run into negative comments from several seller's agents about the VA loans being a little tougher through the inspection process (i.e. Depending on the issue they will demand its fixed before granting the mortgage, then its a negotiation between the buyer and seller and if the seller does not want to fix you either have to walk away or get it fixed yourself) and 100% financing with the VA can turn seller agents off as they tend to see earnest money as an indication of the buyers seriousness/readiness to buy (and zero is not serious at all, and if the financing falls through you just walk away while the selller has some lost opportunity costs). When I moved here six years ago I did not realize the earnest money issue so it was not a problem for me to come up with a suitable amount but being a country bumpkin was completely clueless). [/quote]
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