My first time buying a home and my fiancé second. Last time he was able to sit down with the loan officer and review any questions he had about the documents because there is a lot of language in there that isn't used by average people. Our current loan officer from the same bank branch wants to do everything electronically, and it's a battle just to get our answers. We're willing to lose the loan before signing on to a debt of $350 without knowing all of what we're signing on to.

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They should be able to get on the phone to go over your questions. If they are not willing to do that, that’s a big red flag

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I am a first time home buyer too. While my loan officer has been great answering all the mundane questions, my real estate agent was another story. I dropped my agent and am interviewing to see someone who suits my needs. While my case may be different from yours - you want someone to works with you rather than someone who is making you do all the work. Is there another loan officer you can get transferred too unless you have a legal binding contract. If it is a local branch can you make an appointment with another loan officer or go to their boss? It is ultimately your $$ that’s going to go for the purchase of this home and you want an ally. Good luck as you take this big step.

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