Mindy is very nice, has a big heart and is a huge animal advocate! All things I appreciate and respect; however, I feel like there were times during the application process where the ball was simply just dropped and I'm not sure if it was Mindy or members of her team.
To be fair, we had some issues with our application, but I feel like some of the hiccups could have been avoided if the application had been handled proactively instead of reactively. We had to change lenders and underwriters in the middle of the transaction because items that were on my credit report that should have been addressed before underwriting weren't caught. I was given improper information regarding student loan funds that caused another hiccup.
The biggest hurdle was in obtaining IRS transcripts and it seems to me after ordering online 12 or more times another avenue should have been sought out long before we got down to the wire for closing.
It was an incredibly stressful process. By far the most stressful home purchase I've ever been through out of five purchases. I felt like I was in the dark most of the way through the process and even though Mindy constantly reassured me everything would be OK, it was hard to relax when I was blindsided on more than one occasion with surprises, delays and other "hiccups".
We went to the closing table not knowing when the loan would fund because they still hadn't gotten tax transcripts back yet. I didn't find out about the tax transcript issue until 3 days before our financing contingency was set to expire, which had already been extended once. I wasn't told until after it officially expired that they still hadn't secured transcripts even though all else was "approved".
Throughout the process, I spent approximately 4 hours on the phone with the IRS and got everything faxed to me then I forwarded to Mindy, but was told the investor would not accept it. I had the IRS mail me copies and faxed that to Mindy, but was again told the investor would not accept those copies and that it had to come from their portal.
I reviewed the transcript request form with an IRS representative and found errors, so I pointed that out to Mindy to hopefully get a resolution and she became quite defensive and told me that it didn't matter how the form was filled out (never mind they tried 12 times).
The stress of all of this back and forth made the process not as much fun and way less exciting that it should have been. There is not really much of a bigger let down than signing your life away on a mortgage and not leaving with keys.
In the end, Mindy was able to get on the phone with executives at the investor level after closing and get the loan funded same day and get us keys. I'm not sure why this couldn't have happened before we sat down at the closing table.
In the end it all worked out. It was very stressful, but Mindy was able to get us a loan with a great interest rate when I wasn't totally sure we could qualify. We started our loan application 8/30 and closed 10/7. For all the bumps in the road we finally got everything approved and got our keys same day.
Mindy definitely knows what she's doing, but she needs to be more organized and more proactive to avoid delays and hiccups. It's always easier to avoid a problem than dig yourself out one.