It has been a little more than a month since we last checked in. The following took place between August 6th and September 11th, events don’t occur in real time 😉
I never actually spoke about our initial experience with the NVR side of the house. For those that aren’t aware NVR is the holding company, I believe, for Ryan Homes. They do all the under writing for the mortgage business. Ryan is able to offer up some incentives (in our case they were REALLY significant) if you use their mortgage company. So we met with the initial NVR loan guy, nice younger guy, he didn’t see where anything would be a problem…great we thought. Fast forward a few months, and the underwriting process was behind. Oh by the way they asked for the same information we gave to the initial guy. This really gets me fired up. As a consumer of your service you should make this process as easy and painless for me as possible.
I completely understand that they are trying to make the loan look as enticing as possible when they sell the loan for service; however, I supplied you with documentation twice make sure you are following it. Every little thing they need explanation and documentation for. I had two masters classes I was going to take over the summer, tuition paid for, the whole nine yards. I ended up dropping it and got a refund. I had to provide documentation and a paper trail from the time the tuition was paid, proof of refund, and proof of deposit…really? Oh we received another email today asking to have the documentation…again. That’s right, for the folks keeping track at home three times now.
Now the email today was actually a good sign, they’ve approved us…until October. The problem with that? House estimated completion time…December. Not looking forward to going through all these hoops again. But I digress…
We had our pre-construction meeting on Monday. This is where you sit down with your sales team and your project manager and go over the floor plans and all your configured options. Our project manager, Dustin, seemed like a really nice guy. He set our expectations when it comes to the whole process and wants us to be as involved as we want to be. Excellent! Feeling better about that whole NVR nonsense already. Our meeting lasted a little over two hours. During that time Dustin said he completely understands that we work during the day and to feel free to go out to the site as often as we want. If we would like to meet him on site, he’d need 24 hours notice and would try to make every opportunity to accommodate us. He understands that because of our hours we will be at the site when he’s not there, just to be careful. I had hoped that I would have the opportunity to go in to run some flexible PVC (smurf tubing) for future low voltage expansion (network, cable, phone, etc) and he pretty much put the kibosh on that, unfortunately. We elected for just the standard stuff from Guardian (it’s so expensive, it’s crazy for some wiring). Once we get further along in the process I’m going to ask if they’d be able to run some type of conduit from the basement to the attic so we could run our DirecTV through it and possibly use it for expansion later.
That brings us to today…ground breaking. We both had to work, however, we were able to swing by after dinner to see the progress…pictures after the break