As I said before, whether Shari or Ryan or just the nature of tour unfamiliarity with the process, it felt at times that there were things not told to us or not made clear. While it was easy to text, email, communicate in general, and Ryan in particular was incredibly responsive, I wish there had been more spontaneous offering of info regarding the discount points, the loan interestrates, and deadlines. The process amd expectations were quite different than with our prior mortgage, and it felt at times that there was some lack of communication that could have lead to us making hasty decisions that weren't in our own best interest. I did appreciate him working with our very busy clinical schedules, and certainly at times it was out of his hands with some of the asks from the loan underwriters, but the last week felt unnecessarily stressful with the deadlines and last minute things that needed to be supplied. We also ended up saving thousands of dollars on the discount points for the same or lowerrates by waiting to lock in, and the options there were not discussed with us; rather, we were just sent a document to eSign to lock in, which I nearly did due to my ignorance, until I ran it by the rest of my family helping out with the process. When we brought that back to Ryan, he said it had been an error anyway, and I hope it would have been possible to fix it if I had erroneously signed, though I worry that if I hsd signed that I would have been told it was binding. Even if not typical, we would have appreciated some loan r*** estimates and differences between physician and conventional earlier on too, instead of being told we had to wait until post negotiations, because the option for a physician loan was the main reason we went with Ryan and NAF at the recommendation of Kelli Becks. It ended up feeling like that wasn't even an option, and the point at which that was clear was past the point where it made sense for us to shop around. The last thing that comes to mind, and likely inconsequential, is that there were a few typos on some of the final loan documents that just don't instill confidence as to the attention to detail. I want to be understanding of mistakes and give people grace, especially when they are likely rushing on my behalf because I took a long time to return some of the requested documents earlier on in the process, but just wanted to mention.
Long story short, it would have been ideal to have a conversation with us about our goals, expectations, timeline/deadlines, and our knowledge at the get go, and more active transparency rather than having to ask and check in. That said, the end result was good and I was overall satisfied, and am very grateful for Ryan's help. Also, this survey says \"sorry to hear that your experience was not memorable,\" but it was certainly memorable! I hope this feedback is helpful without coming across too negatively. Thanks again.
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