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The Bottom Line is that my Loan Closed on Time
I worked with Larry Newell and Max Voege at First Direct Lending.
I had just refinanced my loan in August of 2017 and I took money out for home improvement projects and a vacation. I did not think that I would get married until the end of 2018. Plans change fast. First of all, my finance is from Vietnam, I did not take out enough in the refinancing that just occurred for an engagement party so I had to do it again because I needed more money. I started this process in November. We had to have the engagement party happen before the Vietnamese new year so it had to be the first part of February. A Vietnamese Engagement Party can go on for 3 days with people eating and drinking and a band, decorations. I roughly figured this to be between $10k - $15k.
I was leaving for Vietnam on February 10th, so the last day I could wait for the money was February 9, which was when the funds did come in.
Max is a very nice and polite person. He answered some of my questions but on others he said he would have to ask Larry. Larry was very professional, but also could not answered all of my question. And especially on the last week as time was getting short I would have appreciated an updated status phone call.
I don’t know the inter working of how refinancing works. From my understanding the appraisal was late and then was not prompt in sending the report on.
I will not think of refinancing until at least July of 2019, that is when my pension kicks in. I would try for a lower rate and move my loan from a 30 year to a 20 or 15-year loan.
There were enough events going on at for this refinancing I would give them a 3.
When I do refinance again, I would include First Direct Lending as one of the companies that I would contact.
I have a pleasant experience with my refinancing with Isiah.
Got it done.
Overall good, took over a month for the whole process, but its over, time to move on....