GVC Mortgage

I'm giving this company a generous two stars because the loan originator finally became honest in the end. There was also night that she talked to me after business hours. Other than that, this was one of the most unprofessional and frustrating experiences I can possibly imagine. From the initial conversation in determining our eligibility for a VA loan, we laid every piece of our financial information on the table - including concerns that I had regarding a specific debt I had that I anticipating being a concern. I was specifically told on multiple occasions that arrangements could be made and my debt wasn't a factor at all. I was also told other pieces of innacurate information such as: four people are allowed to sign on a VA mortgage and that that wasn't possible for us to be denied a VA loan. She confidently encouraged us to plan our next moves based on this information. We began to proceed with our realator and let our current landlord know that we wouldn't be renewing the lease. As time progressed, concerns from my realator had arose and he convinced me to get a second opinion. I did and, out of respect, I informed Ronnie of my action. I also gave Ronnie my updated tax figures over the phone. She didn't like the idea of having another mortgage company involved. She sent me a $400,000 pre-qualification letter in less than an hour of speaking with her. This was twice as much as she originally stated based on the same income. My second opinion informed me that only two people can be on a VA mortgage and the particular debt I have disqualified me from getting a VA mortgage. When I asked Ronnie again, I couldn't get a straight answer. At this point, I suspected that her pre-qualification letters were about as valuable as screen doors on a submarine. I told her many times that we have a deadline now and I would like to push this as far as possible to ensure that we wouldn't be denied at the last second. She told me that her manager and underwriting had already looked at everything before she issued the letter but told me not to put an offer on a house yet. For close to an additional month, we were in limbo "waiting for final underwriting feedback". Her responses for me during this time were very vague except for not making an offer. I had my fill of not having the information or phone calls returned by the promised time so I decided to go to the office in person. While on the road, I received the more honest call I was looking for. She didn't take a lot of responsibility in the way that she made empty promises but she did at least come clean with the current situation - my concerns were valid from the beginning. I never asked for the moon and stars, just reliable information. If I would have received it from the beginning, I wouldn't be facing the current risk of not sheltering my family due to poor planning.
2 7 years ago (15-04-2018)

Carla, Celeste, and Ronnie at the Carmel GVC office are wonderful to work with! They have excellent customer service skills and make the home buying process easy. I highly recommend GVC!
5 7 years ago (19-12-2017)

I am very grateful to have had Celeste Meyer of GVC Mortgage to assist me in the purchase of my home. It was because of Celeste's expertise and patience that I was able to maneuver through the mortgage process. There were challenges that needed to be overcome and Celeste stayed with me and followed up until I was where I needed to be. This is not what you tend to get with most big banks. The average lender sees where you are at now and if your not where you need to be they'll tell sorry but we can't help. Celeste said your not there yet but you can get there. I had to do most of the heavy lifting but Celeste showed me how to lift it up and maintained that relationship until we got where we needed to be. I am now a homeowner in a home that I wanted. Thank you Celeste for not judging and helping.
5 8 years ago (23-06-2017)

I had the pleasure of working witth Carla. She was amazing! She explained everything in a way I could understand and worked very hard to make sure I got my mortgage!
5 8 years ago (05-07-2017)

Celeste Meyer is a wealth of knowledge for anyone looking for a mortgage. She will help you with each and every aspect of getting a mortgage. She helped me understand every step of the process and was wonderful to work with. I would highly recommend her to anyone.
5 10 years ago (05-02-2016)