Yesterday we met with our NVR Mortgage loan officer, her name was Toni. The meeting all together took about 2.5 hours and was very simple. Before our meeting they provided us with a loan application checklist, we gathered all of those papers and had them ready as she asked for them. Be prepared to show paper trails of any and all "large" transactions within your back account. They also asked up to pay $450 upfront for our appraisal (which we were not told about before hand). Toni was able to explain the entire process to us and she was extremely helpful. It seems that she will stand by us from application to closing.
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