Steve, looks like I'm headed down a similar path. I was scheduled to close tomorrow however, when checking the website on Friday afternoon, my status regressed to "documentation". You would think being so close to the closing date a regressive change would be met with some contact from USAA. You would be wrong! I placed calls to both the processor and her manager with no acknowledgement or return call. Further, the promise of the on-line document upload facility has been non-existent. I can't see a "To-Do List" much less upload any documents through this mechanism. Therefore, the only way to communicate is either by phone or email - very inefficient in my experience.
I have closed mortgage loans with Citi, BofA, Wells, US Bank, Flagstar Bank and Chase. This by far is the worst experience of them all. I was so encouraged by your insurance experience that I didn't follow one of my cardinal rules - check the supplier's references. If I had looked for and found all the posts advising about this experience, I likely would have made a better choice.
I guess you have me beat in one aspect, my processor is friendly Nd personable but unfortunately, that doesn't get my loan closed. Hopefully, tomorrow I'll hear something about the loan and my rate lock which expires the following Monday.
My advice if you're leaning toward USAA for your mortgage needs, Stop! Unless, of course, you desire delays, ineffective communication and frustration.
Best,
Brian
