NewDay USA Reviews

Agent was great to work with. Thought there were too many hoops to jump thru, but I guess when you're loaning many thousand of dollars one has to be careful. They do, However, make it seem easy in their t.v. ads. I did save approximately $650.00 per month which is a chunk of change. It's nice to have it all in one monthly payment instead of taxes and home insurance to pay above the mortgage costs.

I was very surprised by how easy and fast it was to refinance my home loan with New Day. Our rep was very helpful every step of the way. We were able to lower our interest rate by 1/2 a point and reduce our monthly payment by $80. Our rep answered all our questions and kept us informed of the loan status every step of the way. I was very pleased with the process.

Mr. ** shepherded the entire transaction from inception to closing in a FLAWLESS manner. Everything was done on-time and efficiently. It was the very best refi we have ever undertaken in over 45 years of home ownership! Mr. ** was so good that he somehow managed to arrange a Notary for us on Christmas eve, locked in an incredible 2.75% 15-year loan, and we got our cash-out into our bank account on the last day of the year. It was a stupendous performance by Mr. ** and the entire NEW DAY Financial team. Bravo!!! Consider us lifelong fans.

Sorry to say but my experience was horrible! Nothing happened as told to me, from interest rate, closing day, to when money would be wired. Admiral as the Co. face I hope you can correct this mess. I'm disappointed to say the least. I gave this 1 star because I had to enter something and zero was not an option.

If you are lucky, Maggi will handle your loan, she is amazing! I had waited on another "military friendly" lender for 2 months. Once I decided to go with NewDay, closed within a month! The only thing I recommend is to watch what gets "rolled into" the process. Anything you can pay now instead of adding to the loan balance is in your best interest.1

Brandon did a great job at getting what I wanted to do. He explain everything that I needed. And kept me and my wife up to date on everything all the time. He was very professional and very knowledgeable on all my questions. And always reopened back very quickly.

The process started out as just an inquiry but as we progressed everything looked so easy and attractive my wife and I couldn't pass up on the great deal NewDay had to offer. Brandon was extremely helpful at every step of the process and managed to close our loan before Christmas. Great experience. Thank you.

100% LTV Cashout VA Refinance. My experience with NewDay was a very positive one. Mr. ** was very communicative throughout the whole process, which also went very quickly. I highly recommend NewDay as a valuable resource when shopping for a refinance mortgage institution. I will add more commentary once I have to start making the payments and officially begin my new mortgage.

Matt ** was awesome to work with! Very professional and available. I would recommend NewDay to all the vets I know! Matt was very clear and specific on what was needed and reviewed all information with us before moving forward. Answered all our questions in a timely manner????

This is the worst company I have ever worked with. They are a bunch of liars. If you ever get Reece ** as your case manager...Stop. You do not want him helping you. He doesn’t use a phone to make sure everything is going ok. You can’t get ahold of him if you do call. He keeps asking you to send more copies of the same thing because it was “blurry”. Then tells you that you should be closing by a certain date and that you shouldn’t have to pay mortgage for the month. Well, shouldn’t have listened to him. He couldn’t close on time. I even reached out to VP Ben Taylor. Another waste of time. He said he would personally take care of us. He told me that we should be finalized by the New Year.

I PCS' from Ft Bragg NC to Forney TX. We arrived in Texas on Dec 1, 2019 and check into a hotel in Mesquite Tx. Our closing date was Dec 4, 2019. Our HouseHold Goods were to arrive at our home on Dec 6, 2019. Then we were told our closing date was changed to Dec 12, 2019., then it changed again to Dec 16, 2019. That being said, we stayed in the hotel for 18 days. By policy, the military only pays for 10 days travel for reimbursement for lodging and meals, so the other 8 days, we have to come out of pocket, which was close to 1000 dollars. Those addition 8 days caused a financial hardship to the family, plus our two kids were out of school for the whole month of December because they couldn't enroll.

Smooth as glass!! No problems at all. Would recommend to all my veteran friends. Much better than my experience with Quicken Loans. They keep trying to sell you after you have the loan. A real pain in the neck. I have nothing more to say. Really I don't!!! All for now.

This was our first time buying a home. New Day Staff were very helpful and patient during the process. Tyler was excellent and very informative. I would recommend New Day to both friends and family. There were very attentive start to finish. The process was very quick. This was much appreciated.

New Day was so helpful in obtaining our new mortgage. We had a lot of waiting because of the lender adding things but Daniel ** was a bulldog at getting the things they needed and keeping us updated. We had a great experience and in 6 or 7 months hopefully the rates drop again. We plan to refinance to drop our interest rate. Excellent customer experience.

Enjoyed working with Nicholas **. It was at a Time I really needed to get out of Debt. Did not mean to give Nicholas a hard time ~Like to Stand My Ground~ Don't know where "Screwed the Pooch" came from. (-: Keep doing Good Things for Veterans. Blessings~~~

From my initial contact with Mr. Colson **, he has been so supportive, encouraging and just overall outstanding a person. He treated us with great respect and dignity. Mr. ** is an outstanding asset to New Day USA and its mission to provide veterans with all the assistance they need.

Nothing but problems. I was dealing with Paul and he has no communication skills. We were looking to do a debt consolidation and Re-Fi. We had a mortgage company that couldn't get our escrow account right for the past 2 years and were tired of fighting with them. We received checks after closing to send off to our credit card and other loans we had. That was a process to go through all the checks and do all the leg work to get them sent off. Two of the checks were lost in transition. I was on the phone for over an hour just to talk to someone. Then I was told they can't access them they would have to look into it further. Which they should be able to do that with a couple of keys on their keyboard.

Joe **, was probably the best person I Have ever worked with, bar none. He truly understands veterans and their need. Our issues was not your “normal closing” and he took over our file because the first agent was “less than helpful” (enough said). Joe saved this closing, my financial future and quite frankly NewDay's reputation. He needs to be singled out for going “above and beyond”. Good guy and stayed with us and more importantly, he LISTENED! Good guy, good company and thank you Joe!

Went with a VA loan with agent Steve ** of New Day USA who was there for us step by step and if we had any questions, he actually answered the phone or if we texted Steve he would text us or call us back with an answer that we could relate. If you can give them the right paperwork that they ask for or have most of it ready, things will go smoother with less headaches. All I can say is if you're a Vet and you have half decent credit, you can own your own house with no down payment and with no BS. I would tell any Vet to jump on this deal.

It went very smooth and thank you. Chad was very patient. The process was quick and accurate.. They kept things moving quickly and Chad made sure that we understood everything that we were signing. We enjoyed working with Chad. Keep up the good work and thanks for helping our veterans.

New home purchase. It was a very easy process. Christy ** was so helpful and professional. Godspeed with your organization! Her overwhelming help was unbelievable. She consistently stayed in contact with me and assured me everything was fine and it was moving forward. This is a second chance for me after a disaster of the last 5 years. You folks have given hope and made my wife and I very happy. Thank you so much!

I would highly recommend New Day USA. I worked with Taylor ** who was amazing. Very respectful and patient, thoroughly explaining how the process worked and answered all my questions in a very satisfactory way. Also kept in contact when there was a period of time the documents were being processed to let us know that we were not forgotten and would be back in contact when they were done. Called to wish us a happy Veterans day and thanked my husband for his serivce. Couldn't be happier with USA New Day.

It was a very pleasant and very expedient process on the whole matter. It only took a few emails and processes and a couple of phone calls and made me very happy. I commend the hard work and effort of the two individuals I spoke to. They solved and answered all my questions.

The loan process was smooth and the loan officer was outstanding. This was by far the best VA loan service provided hands down. I will definitely recommend NEW DAY to other veterans for all needs. There was no hassle or haggling. The loan officer had a sense of urgency. He also understood the complexity of my needs at the time.

We believe that the appraiser did not value our home as high as he should have. I know two real estate appraisers who would disagree with his appraisal. He did not give us credit for the upgrades and improved that we did had done to our property. There are smaller homes in our neighborhood that have recently sold for more money than what our appraisal came in at.

I've refinanced with NewDay in Nov 2019. I kinda feel like I've just had the bait and switch. I was told that I would receive a payout of around $3600.00. So I contacted the agent that I went through this morning 12/02/2019, To find out when would I be receiving my payout and I asked several times throughout the process of how much and when I would be getting it. Well come to find out that it is paid through the last mortgage company (MR COOPER) after they close out my account.

I was skeptical about refinancing, but then I spoke to Ben **. He was kind, patient and answered all my questions. He explained all my options, giving me the pros and cons of each. I never felt pressured, and believe I was given all the information I needed to make the best decision for me. I will definitely recommend anyone, especially veterans, that are considering refinancing or buying to contact you. Thank you for making this big decision for me pleasant and painless.

On August 14, 2019, we applied for a rate reduction on our New Day Loan with Benamin **. Our communication was very bad. At the end of September we called Ben. He told us that the papers had been lost. As a result, everything had to be redone and the locked-in rate of 31/2% would go up to 3-3-/4%. After a battle, he agreed to give us the 3-1/2%. Communications improved but we still had to leave messages weekly if we wanted information. We finally e-signed the closing papers on November 10 and signed in front of a notary on November 15. There have been no more communications. New Day did a great job on the original loan in 2018. It was processed in about 15 days.

Everything was excellent with the entire process and I would recommend New Day to any of my family or friends that might be looking for a qualified lender. My experience with your agent Matthew was the most thorough process that I have every encountered. His caring and follow-through should be utilized in any of your training exercises to assist with your new agents or in re-training of existing agents.

Ben ** was great to deal with and was always there or responded back in a very timely manner and also very polite. The only negative for the whole process was the fees charged, other than that everything went well. Charlie

After the loan application was completed and the process started, the loan officer: Giuseppe ** Account Executive MLO NMLS # ** Stopped speaking with me, no reply to emails or VM’s. I gave him everything he asked for and would ask for a simple call or email to resolve the questions I have left for him. This is not the manner of customer service that is portrayed by NewDay!

My experience with New Day was outstanding due to Ediberto Luis **. He went out of his way to keep me informed and update on the loan process from start to finish. Thanks again Eddie. Total loan process took about three weeks. All loan officers and agent were polite and professional.

My wife and I are extremely pleased with the professional service we received from New Day. From the first call to ultimate closing Robert and the New Day team kept us fully apprised of every step. The process was expeditious and painless. Our signing of documents took place within three weeks versus months with others. The notary took place within our home which saved our traveling to an office. Again all processes are streamlined and focuses on true customer service. Great job team and many thanks for all you do!

My experience with New Day was great! Our refinancing was not the usual way most people qualify. One of us is self employed and Mr. ** would let us know what paperwork was needed quickly and he would respond to questions from us just as fast. I would recommend this company to anyone who meets the requirements.

The process from start to finish was super easy! Kristen ** was so great to work with and our communication was excellent! Closing was super easy too! The notary came to our home, we signed the paperwork, and within 30 minutes it was complete! Thank you so much NewDay USA for everything you did for us and our veterans!!

Alex explained in detail every step of the loan process to me. I was a little nervous at first, but with Alex's experience and knowledge I was quickly put at ease. I almost went with another finance company but I remembered the mail I received from Newday; I hung up and dialed Newday and connected with Alex. I am so glad I did that, and grateful to Alex and his professionalism; we quickly closed the loan. Thank you Alex.

Mr.** guided us through the process with thoughtfulness, availability, accountability and professionalism. Great respect was afforded us. A great experience. Mr. ** worked with us through the process assisting us with valuable insight as to why certain aspects of the procedure were necessary. Mr. ** was a pleasure to work through the process.

We truly appreciate the help from New Day with our new Mortgage Loan. It has tremendously improved our financial posture. We were much very impressed with Mr. Zachary **, Assistant Vice President, Loan Origination for his constant help in our loan process from beginning to end - excellent service! We very much look forward to a new beginning!

My experience started out with me informing my Agent that in 2018 I didn't make as much as I had in previous years due to me transitioning back to my home town. I served 5 years active duty and 10 in the National Guard and was working a full time job at Ft. Bragg. It was time to get out and head back to Texas. My Agent insured me that it wouldn't matter and we proceeded with the loan paperwork.

In the beginning everything was going smoothly but after 25 to 30 days into it I wasn't so sure I wanted to finish the loan but we invested too much time to back out. A lot of problems getting to closing including getting a pay off from my current mortgage company. Ending up having to do it myself and weeks past the original scheduled closing. This was because either it wasn't requested or it fell through the crack. I ended having to be very proactive in getting information or getting stuff for the closing. Lack of updates by the loan office either emails or returning calls. Closing documents were delayed being sent to title company. So it was delayed, I worked for a WFHM doing closings and this one was not a smooth process.

We purchased an over-55 Condo and were required to pay Mortgage Insurance of $2250 monthly. After two years we decided to refi our conventional mortgage and try a VA loan. This was our first experience with VA, although I have qualified since 1964. The process was slow and we were not pleased with the rate; however weighing the fact that the MGI would disappear we went for the new mortgage. Our rate changed from 4.75 to 4.6. Not much but here we are.

We were very pleased with Mr. ** (New Day representative) concern for our well being and concern during the whole process. He was available to us at all times and answered our questions and concerns. He was great. I was very pleased with the whole process. The Notary was also very good and went through the paperwork and explained things great.

We had a very good experience going through the mortgage process and documentation requirements. We were always notified of the progress and additional documentation effectively and the process was completed in a timely manner. Will highly recommend NewDay USA to other Veterans. Cole is an excellent Account Executive. Thank you.

This is to all Veteran "PLEASE!!!" "PLEASE!!!!" Do not believe all these positive reviews about Newdayusa. This business is a "SCAM!!!!". This company tells you one thing and do another. I'm saying this from recent experience. They will do anything you want at the beginning but as the process continues everything changes. My consultant was Kristen **. I was supposedly good for a $330,000 loan which I told her I don't need that much. So when they came and appraised my new home it was appraised way over what I bought the house for. Kristen ** called me the next day and told me we couldn't go thru with the loan. And I asked why, she said something about the equity and I said let's try something else and she said OK.

This was a great opportunity for me to refinance my mortgage at a lower rate as well as take out additional funds for needed upgrades on my home. The process was easy and thorough. Any questions I had were fully explained. I would recommend this opportunity to other service members.

The people that I worked with in getting this transaction done was very helpful all the way from start to completion. My "thank you" to each of them. I truly do like the speed and thoroughness at which the transaction was done. I liked the online electronic form processing as well.

Experience was good overall but validating work experience was difficult. Especially for people with multiple governmental assignments. David ** was very honest and accurate, he seems to be a great asset to your company. Would be happy to recommend New Day USA to all of my friends and family members as well as other veterans.

I really liked working with Mr. **. He was professional from beginning to end. He gave me the impression that he knew his business. There was a moment when I got cold feet and almost backed out of the deal. Now that all is completed I'm really glad we saw it through. I think he represented New Day very well.

I requested a re-fi on my home, with 'cash back'. The folks I spoke with were very helpful from the beginning of this process. Because I requested 'cash back' to pay off existing credit card. balances, NEWDAY used my credit report to find and list these balances. Unfortunately, because of the length of time it took to close, I had to make payments on my c.c. accounts so I would not be late with any payments. NEWDAY then sent individual checks TO ME for each account so that I could mail each check to each vendor.

My experience with NewDay was outstanding. This rating I attribute to my Account Manager, Cody Jeremiah **. From my first contact with him until the end of my loan process, Mr. ** guided me through the process in a professional, helpful manner. It was a pleasure to work with him on this project. I thank NewDay for being here when I needed them.

Julian was such a great help. We would recommend this company to everybody. The process was fast. We are Happy about that. Thank you. Was also grateful that they found out there was a lien on the house that Wasn’t mine and they help correct it. So thank you about helping me.

Very pleased with all Paul done for me and for always providing with accurate information and easy directions to complete all phases of what I needed to finish correctly. I felt he wanted me to understand all areas of the process and answered all my questions with fast and knowledgeable responses. I was confident in his ability. Thank you.

The representative that worked with me was professional and pleasant. He kept me informed during the process so I wasn't surprised when contacted by someone else. Everything was completed sooner than predicted. I did feel a little nervous about the closing, because it wasn't what I expected. All in all the process was good and everything I needed from this refinancing has helped me. Thanks, for your assistance and to the representative Mr. W. **.

I was very pleased with the service I was given. Brandon ** was very helpful in conducting my refinancing. The whole process including the in-home closing was very smooth and professional. I was kept well informed throughout and appreciated the patience and time Brandon afforded me. Any questions I had were answered promptly.

The process ended up well, but prior to us getting a date to close it was a little bit confusing. Lots of emails back and forth. Issues trying to get into the portal. Troubles reaching our representative. Again, it all worked out and we have accomplished what it was we were trying to do, just did not go as smooth if we had gone with a local company where we could have visited with someone in person.

I would like to commend the NewDay system for a simple and expedite process with extra respect for the customer. As a Vietnam combat veteran, it is very comforting to work with an agency that really represents the veteran and respects our contribution to America. I commend everything you are doing.

I went to NewDay for one type of loan, I was offered an alternative which was a total solution. I had not even thought about it. Temitayo **​ took his time in explaining the total solution and kept me update with the loan. My refi process went so smooth, no delays. The closing went great, also no delays.

No problem. Fast and accurate. Will tell the world about New Day. Love you. Joshua was on time with everything. Would call as he said he would even though other companies can and will tell you anything for signatures. It's something tell you who can and will treat you fair. Thanks again. Job well done. Mission accomplished.

Spencer was the Account Executive with whom we dealt. He is very knowledgeable, polite and efficient. He was always available to answer questions and took a personal interest in our refinance. I recommend him highly and my wife and I were pleased to have him as our contact with New Day USA.

It was a pleasure to work with Margaret **. She walked us through the process and explained everything in detail. I had mixed emotions due to the huge closing costs but the fact that I could get 100% of the appraised value of my home made the difference. I would have liked a lower interest rate but that didn't work out in my favor. The frequent adds on Fox news initiated the call to new. Good job!!! Thanks for everyone's efforts!!! Tom

This is the first review I have ever written and I feel compelled to write it. I was extremely dissatisfied with my experience at NewDay. I have excellent credit and was refinanced into a VA loan that was worse than my existing loan. I was pulling money out and felt NewDay would work with integrity and honor. This was not the case. Shortly after closing (next day) I received multiple calls and realized I paid between 1.5 and 1.75 points higher than the going rate. WARNING: Shop around because NEWDAY does not operate with Honor and Integrity!!! SHOP AROUND!!!!

Updated on 10/28/2019: I never leave reviews but this is my 2nd one here and I wanted to share my experience. So after 3 months of waiting, I was denied. On 3rd party verification with Credit Plus and my current lender, it was mentioned I had a late payment in which I did not and my lender was going back thru to check on things. Well their Credit Plus agent was disconnected and completed her report stating I had a late payment anyway, but the truth is my lender has not reported anything as late. For that reason, I was denied and NewDayUSA ceased contact.... and I'm not complaining about that. They need to stop sending my crap in the mail still as well, but had they done this in a timely manner, then things could have been different. I should have considered a different route than NewDay.

Not very happy, we won’t stay with you guys for too long! The process was not as smooth as other banks! And Christopher was not as accurate! He wanted me to make a payment within 15 days of signing the papers! Totally unheard of! I asked to speak to someone superior to him and he told me that I was speaking to him personally!

We are on second agent because the first never returned our calls and the second is doing the same. When we asked the status of our application we were told it was suspended due to a time limit. When we asked if they got all our paperwork they said they would call back. LOL still waiting.

I am completely satisfied with my experience with New Day Financial. My agent, Joshua **, was professional and friendly. He was always quick to respond to my calls or emails and kept me informed and up-to-date on the progress throughout the process and we only missed his projected closing date by one day and that was through no fault on his part. I highly recommend New Day to all my veteran comrades.

After going through a divorce I had to get a refinance to get my ex off of the loan. Because of my agents negotiation and influence, he was able to work well with underwriting to get my loan completed through all of the hurdles that come along with a divorce. New Day gave me more than a home, they gave me peace. Thank you!!

They ask you multiple times for the same information. They send you disclosures of costs for closing only to have it go up almost everyday. They make promises to you one day and change it the next. If they do this to Veterans I guess they have no shame!

Ms. ** is my account executive. As a retired Program Manager for the USAF I would have given her all 10's on her job evaluation. Unfortunately I can't give her what she deserves. A promotion!! My experience was great because of the guidance she provided. Her efforts and knowledge afforded her customers will make this a fantastic company. She appears to be veteran oriented person and that is important to us.

Hats off to my Loan Officer, Justin ** who showed endless patience and professionalism during the lengthy processing of the detailed information that was required for the mortgage documentation....Looking back now, I can say the process was actually quite painless. I also appreciate the local loan officer who did final closing at my home late in the evening to accommodate my schedule. Overall thanks goes to the New Day organization for running a tight ship!

Thank you for the guidance and support with the refinancing of my home. The advice to pay off my credit card debt and realize the monthly savings was excellent. Mr.** was very professional and patient with my package and did a great job getting it completed in a timely manner. The simple, easy process makes me a happy veteran. Thanks again and well done.

Got what I wanted with minimal effort. Everything was explained up front and no unforeseen snags arose during the loan process. The loan manager was very helpful and allayed all my concerns. Overall, it was a positive and satisfying experience. I would highly recommend home refinancing through New Day to every veteran needing extra cash.

We are both very happy with your service. We would recommend your service to anyone. We Want to thank Cody ** for all his help and would recommend him to everyone. Not having done this before he was so helpful. This experience has bee very favorable. Thank you once again.

We applied for VA loan and denied so went with FHA refinance loan over a month ago. Our account rep worked diligently and involved her manager to get the appraisal started. After a month still no appraisal started. We decided to go a different route with someone else after this! Very dissatisfied! Not so much the rep.... Very disappointed with overall New Day but FHA appraisal dept is really lousy!

Refinance. I am very pleased with the professionalism and the show of respect for my situation. The representative returned my calls in very timely manner when I would have to leave a message for someone to call me back. The representative was very knowledgeable of what he needed to complete the process. I would certainly recommend this agency to another veteran in need of services. Thank you for being patient and professional during the whole process.

I just wanted to commend Mr. ** for the outstanding job related to re-financing my home. His expertise and professionalism was second to none, he took me step by step through the whole process and made it very user friendly and understandable. I want to thank him for his patience and attention to all details. I'm a Senior and sometimes it's very hard to discern so many things that I use to take for granted. Mr. ** helped me overcome some hurdles and completely won my absolute trust. I feel that it's very important for employees that go above and beyond their normal duties should be recognized and commended for the great job done for their employer and I wanted to take the time and do the right thing. It was a pleasure working with Mr. ** and I wanted you his immediate Managers to know that because all people do nowadays is complain and whine about representatives that they interact with.

Process was fast, easy, and transparent. Every step of the process, from the application to the closing was done in a very honest and straightforward way making the completion very attainable in the shortest time possible. The customer service was top notch and I was able to talk with Wayne **, my account representative every time I called.

I thank New Day USA for giving me and my wife the opportunity to do a bill consolidation refinance with our home. The agent who assisted us was always courteous, genuinely concerned with our mortgage needs and very knowledgeable in his assisting us. We thank Uchenna ** Account Executive MLONMLS # ** Company NMLS # ** Who, without his assistance could not have made the loan process any faster or easier to do. Definitely will recommend New Day USA to our veteran friends. The **.

Disappointed. This process required repeated phone calls, emails and input on our end. When you were unable to make a phone call and get payoff on our home equity loan (which your office insisted had to be closed, against my wishes), I provided a payoff amount late last month. Instead of then using that figure, a previous amount was used leaving over $900 owing on that account after application of your payment. We had also hoped for faster turnaround, having started process on August 6 and not having funds in hand until September 18.

Mark was very helpful through the whole experience and worked well with me to help me understand the entire process. I got high interest bills paid off and will end up saving money. I am very pleased with how everything went. Being retired and on a tight budget this help out enormously.

The beginning started out great and then we got a new rep. Destinee was awful in answering the phone, getting back to us with answers to our questions, her communication was horrible. We ended up at the last minute going above her head so we could get our stuff done. We would ask her if there was anything else she needed and she would tell us “no, you are good.”

Found my experience what I needed. Our agent was knowledgeable and helpful. Using your computer programs was good and fairly easy to use. I would recommend others to give your company a try. The administrative costs were competitive and the interest rate was also what the market was giving. Thanks, Ed

My Loan # was **. When I started this process I was told I would get a "FREE" appraisal. Everyone that I talked to told me I was on a recorded line so this is easy for them to prove or disprove. Now that I have withdrew my application and went with a different company that is giving me a better interest rate. Suddenly the appraisal is not free. It is now the responsibility of the new lender to uphold NEWDAY'S promise.... I called My account manager PAUL ** and told him what the other company was offering and he said NewDay can't match that so I told him I was going with the other company. I signed a transfer document and the other company sent it to NEWDAY and they said the could not read it so we made it darker and they still dragged the feet.... but it is done and my new loan is being processed.

The overall experience was great. My only complaint/gripe is the interest rate that we got. When we started the process the bond rate was in the mid 1.70% area. The bond rate got down into the 1.50%'s when I tied down my interest rate. That whole time in the drop, my interest rate did not budge at all. You would have thought that my interest rate would have dropped some. My agent advised since this was a cash out, this was the best we could get! Still don't know if we got took or not.

When we first started the loan process, we had Zachary **, he was very good on keeping us informed and up to date. When Zach transitioned into another role, Alec was introduced and he was good, but we weren't kept in the loop on everything. It may have been due to us not having him from the beginning. Overall I am pleased with how smooth everything went and I would recommend you to my friends or anyone looking for a VA loan.

My loan application was a very good experience, from the start to completion. I will refer family and friends, who are looking to lower their mortgage payments, to NewDay USA. I trust they'll receive the same excellent service that was provided for me and my family. Thank you Sir....

Colson, Jae and everyone involved were very professional and were there every time I needed something. It was a long road and a fight to the bitter end with the sellers, their agent and the appraiser taking his sweet time. I can't thank you all enough for your help with my purchase. Sincerely: Scott

I am VERY unhappy and ONCE AGAIN as a Vietnam Vet feel taken advantage of. I JUST saw YOUR commercial with Tatiana saying NO APPRAISAL FEES!! We were billed $450 for a VA appraisal (which I was told are VERY critical of their appraisals) so we should be happy with the result AND $200. for a termite inspection we were told would be reimbursed. We accepted a MUCH higher interest rate due to our credit (no credit check?). NOT HAPPY and struggling to make payments.

This was our third time going through a refinance process with different lenders and NewDay was by far our best experience yet. Our account manager, Mr. Carlton **, was such a pleasure to work with in this process. He was ahead of the game all the way through and answered each of our questions promptly and made sure we understood what our options were at all times. I am a retired Navy Chief Petty Officer and we thank Admiral Lynch for his service and the top quality people who serve all our veterans with their help in home financing. We are completely satisfied with all aspects of our new mortgage. Thanks to all who helped us obtain this new loan. This will let us do the upgrades on our home we have wanted to do for some time and pay off some bills too. And enjoy our retirement just a little bit more! Thank you all very much.

Excellent. I'm mentally disabled. Not really sure what you want me to here other than my experience was professionally top notch, on time, all our credit cards are being played off. We have 10 grand for savings home improvement maybe travel. We're totally grateful for the program we received and our house payment will work out nicely. I don't know if this what you're looking for but thank you.

NewDay USA made this refinancing easy to understand and gave me the information I needed but didn’t force me or try to change my mind. I felt that it was my choice what, when and how my money was used for and Bob ** was professional and understanding of my work schedule and very easy to get ahold of for follow up questions.

Pat ** helped us with our 100% home refinance and did a terrific job. Always courteous, professional, and applicable to our needs and desires. He helped us close in minimum time, about 3 weeks! He always seemed to be looking out for our best interests and where we could save time and money.

I was hesitant about choosing NewDay USA to do a VA backed refinance, but was I wrong! Simply the easiest process I have ever done. Communication was absolutely fantastic. Paperwork process was not an issue either. This was as painless, and as easy a process. They got us refinanced on a fixed rate at a percentage point higher and helped us obtain equity to pay off debts to allow us to live easier and more comfortable versus always trying to make ends meet. I recommend any Veteran to give NewDayUSA a chance, it is well worth doing so! Thank you for everything!

Not a good experience. Your team did not know what to ask for. I would send paperwork then they would ask for something else. Then have to resend then forgot to say I needed to sign somewhere on it. Then needed my wife and I both to sign. Very unorganized. I think the interest was too high. Not real good for a veteran serving a veteran.

Admiral Lynch,

Tyler ** did an outstanding job taking care of us. He was very informative and kept us updated on the status of our loan. We are very grateful for all that Tyler and your company has done for us. Tyler's knowledge and ability to get us the lowest rate on our loan was again outstanding.

My experience with New Day was great. My account manager Mr. Brandon ** was very professional and efficient. He was timely and walk our family through the whole process from application to closing. He was very patient with me and answered all my concerns. We are very happy with New Day and would them to anyone, especially veterans.

We, Kerry my wife, and I, are quite satisfied with the process of making application for a refinance loan through New Day. However, there were a few hiccups that at the outset seemed redundant, but Bob ** helped us work through it. I would be pleased to represent this publically if this would support my experience.

To all NewDay USA staff and our NewDay USA loan officer Brandon **. Thank you for the excellent trusted manner you all successfully treated our mortgage finance, allowing for the fast and accurate process of a very difficult transaction. The satisfaction in understanding of each step provided by Mr. **, with his excellent communication skills, provided us confidence that a hopeful outcome would be realized. And it was! Though stressful at times we are so satisfied with all aspects of this Refi and its final outcome! Thank you all for a job well done!

This was a VA cash-out refi. Our NewDay USA Representative was courteous, professional, and prompt. He stayed in constant contact with us throughout the process and addressed all our needs immediately. Thanks to him, this was the best experience we've ever had with this type of transaction. Highly recommend NewDay USA, in a heartbeat, to any Veteran.

New Day USA and Mr. Kevin ** were awesome in helping me with refinancing my home. Mr. Kevin was pleasant, courteous, and knowledgeable about the process of refinancing. He discussed in detail, the procedure that had to be followed from beginning to the end. He was always available to discuss my concerns and answer questions, either by phone or e-mail. Thank you, New Day USA and Mr. Kevin **!!!

This company is the best from A to Z. They stayed in contact with me throughout the entire process to ensure everything they promised was met. Their focus was completely on the customer and their needs. I have received mailing from this company and this was needed. Highly recommended for any homeowners.

There were a few things that had to be resubmitted due to a change in closing date of 2 weeks. The HOA gave us late notice on a document they needed sent in prior to release and permission to close. On the day of closing we had to wait for last minute changes so we could close. It wasn't the smoothest closing but we did close.

Nick did a great job. He was accurate with the numbers, kept us informed of changes or delays and made our refinance happen quickly. Being able to close at home was very convenient. Because of Nick's great attitude and customer service we would not hesitate to recommend NewDay USA to other veterans.

I worked with Peter **. He was kind, professional and very knowledgeable. Everything I was told by him happened just as he said it would. I had lots of questions, called him many times and he never lost patience. Would recommend that anyone using your company ask for him by name.

As a veteran, I thought I would give them a chance as they say they could do 100% financing. After stating several times that they would fund 100%, they refused. They said they had the best rates, their interest rates were horrible and not even remotely competitive. I would call them a predatory lender. Lie after lie, then unfair practices.

I called per the commercials to refi and use funds to pay some bills. They state they want to help veterans. However, they do NOT tell you that there is a minimum FICO score required. I have been laid off twice in 2 years and as a result my FICO score is lower than it should be. I was told there was nothing they can do.

NewDay USA delivered what they promised, plus some. Even though some unexpected problems came up that could have sidetracked the refinance, they worked with me to get these issues resolved. The account manager was very persistent, understanding, and a pleasure to work with. I highly recommend NewDay USA to any veterans who are looking to refinance their home. They are genuine, and server their customers.

Megan **, was very wonderful and attentive in making sure what needed to be done was done immediately. We had a moment not sure if appraisal repairs would be completed, Megan offered to help find the services we required if needed. This is the type of people we are far, few and in between of. I hope Megan is given a special something for her efforts. I have contacted New Day USA since it started advertising. Megan was the very first one of the many I have spoken to that actually made my wife and I had some hope. Again, I greatly appreciate the efforts Megan took and made me feel as I was important enough to share her time with.

Personal refinance agent was Extremely helpful. He understood my needs and worked out a plan to fulfill my request without trying to manipulate or stray from them. The process was streamlined which allowed for a fast stress free closing within 30 days of my request to refinance. The entire process was clearly explained and easy to understand without confusion. I highly recommend this veteran ran mortgage company to fellow veterans!!!

My loan executive was extremely professional and courteous, he assisted with all of the required documents and even though the process took longer because of my somewhat unusual circumstances, he made it all possible. He was so nice and understanding and I'm very thankful. I would highly recommend NEWDAY USA and of course "Teddy".

The entire process from beginning to close was very pleasant, fast and extremely professional. I was very impressed with how the loan was done mostly by phone, email and finally a Notary was dispatched to my home to finalize all documents. I've never done an easier more stress free loan or any transaction of this magnitude with no problems or issues! THANK YOU BEN!!!

We just completed our VA100 refinancing closing and received our checks via overnight mail as promised. I must note that our Account Executive was polite, knowledgeable, and walked us through every step of the process. When we had questions, he had the answer. There was only one issue during the entire process. I'm told that our closing package was missing a crucial document which was only discovered after the docs had been received by New Day. That made a second closing necessary which delayed our process by 4 days. It was inconvenient but in the grand scheme of things, it was inconsequential. We highly recommend New Day without hesitation. This is the second time we have refinanced through them and both times have been positive experiences.

NewDay USA made the experience a breeze. Zach did a great job with our process. We couldn't be happier with the results. The digital experience made everything go faster and smooth. Professional staff throughout the process. New Day USA would be recommended by me to veterans to utilize a benefit earned by the service they made a commitment to.

Joseph ** did an outstanding job front to back with the information flow and loan processing. I made my first contact with New Day on May 9, and we closed on our loan June 22 - absolutely outstanding work. My only one negative was that as part of the closing process, Service Link was to forward us a check for a credit pay off. This check was delayed arriving by almost 5 days because it never went out in the first place. These funds could have easily have been wired to the creditor - very much like our original mortgage was paid off - and would have prevented us from getting a negative hit to our credit report for a late payment. This of course was not Joe's fault - but Service Link should be held to account.

I want to thank your entire "Professional Team"; a special thanks to Mr. Paul ** for his professionalism and patience! You have been a blessing to the **' family. Pride to be an American Soldier! (Soldier for life). Throughout the entire process the personal concern given to each aspect of the loan was given. You knew where you were and the status of your loan. Can't say enough - just an overall great experience. Again, thanks! GOD Bless.

My experience with Mr. David ** from NewDay was outstanding. Mr. **'s courtesy, professionalism and attention to detail deserves praise. My experience with Secure Link was horrible, one mistake is excusable, numerous errors make me question their competence. First, they asked for my wife's name, I left a message with the information, no response. Closing forms had name misspelled. Closing agent was 30 minutes late making my wife late for work. After closing they requested me to date some forms, I did as requested, no response. I had to call Mr. ** to verify forms were received.

I worked with Brandon throughout this process and there wasn’t really any problems. The process continued at a good pace and Brandon followed up way more than I expected. He made sure things kept moving. The only remotely negative thing I would say might be to permit payoffs with a direct deposit vs physical checks. This process of getting the checks to a bank and paying off the CC the banks have NO CLUE how it works and it took over an hour to get them to actually take and pay off the CC.

I cannot put into work the gratefulness I feel for New Day. I found myself financially backed in a corner and at risk of completely ruining the years of good credit worked hard to build. William ** was amazing. I was constantly informed and reassured that New Day was working hard for me. I came into this not believing in the process. This organization changed that outlook. Experience has conditioned me to believe that when you're down, companies claiming to provide assistance only provide rhetoric. There's no one really looking at who you are, your financial history and integrity only a computer crunching numbers. Thank you New Day for taking care of one of your Soldiers! Pro Deo et Patria! SFC, USA (Retired) 56M 23 years.

Mortgage Refinance. I am the proud spouse of a veteran and am very grateful to have come across this resource after visiting the VA web page. It is truly a blessing for us to eliminate some debt and have a lower mortgage payment. Our Account Executive, Rob **, was very accommodating with my voice challenges (paralyzed vocal chord) that developed after having a thyroidectomy.

Everything you stated when refinancing my loan was true. The timing of every step was true and sound. The only problem was with the VA inspection. I was refinancing to get money to fix and paint my home. The VA wanted me to fix and put paint on chipped paint.. You were able to help me explain to the VA that it would be fixed and painted when I got my new loan. A soon as the VA passed the house we closed in three days.

The whole process was handled quickly and professionally. I have financed homes before and, only once before, have things been handled this well. Alex ** did an excellent job and kept us informed every step of the way.

I'd like to thank everyone associated with NewDay. They took into account that this was my first home purchase and kept me in the loop every step of the way. I will absolutely recommend them in the future. From start to finish every individual associated with my purchase was professional and helpful.

Loan to be funded and debt that will be paid was not clearly communicated to me. Mistakes did not become clear until loan was funded. I stilll have accounts to pay that I expected to be covered by the loan. I feel that my loan manager did not do a good job of clarity.

Very professional and helpful. Returned phone calls quickly and always available to answer questions. Will ** was exceptional. Would recommend to friends if all are as good as he is. Was on top of things from the beginning and spent time with me on the phone. Became a good friend and we were on a first name basis per my request. Very knowlegable.

We were very pleased with the process of refinancing with NewDay. Joe ** helped us every step of the way and answered our questions. Feels great to pay off credit cards and also get cash back. My wife and I highly recommend other vets use this program. Thanks New Day!

I am a veteran of 23 years in the USMC, retired and disabled. It was a real pleasure working with William ** of the NewDay USA organization. Respectful and patient with not only myself but my wife Julia. Working with the associates showed me that people still care about our veterans. Thank you.

The transaction was seamless. Evan **, our agent was friendly and thorough. He took the time to explain items several times whenever clarification was required. We would highly recommend NewDay USA to others. We specifically like consolidation of loans with a cash back option. The transactions were swift once paperwork was in place. Everyone was flexible with working with multiple schedules.

From start to finish my account manager was on top of things and answered every question I had along the way. This process was very efficient and moved along very quickly. I would highly recommend you to any of my friends who are interested in this program. Thank you again and will definitely use again in the future if needed.

It was a pleasure working with your company. The devotion you show to veterans is so refreshing. Joe ** was very thorough throughout the process and went the extra mile with issues that came up. You have our highest recommendation.

Mr. Bernard ** did an excellent job, I think he went out of his way to make sure, that the loan process was as easy for me as possible. I want to commend him for being very professional, and taken the time to get me through this loan, and again I want to say he did an excellent job.

Our contact was Alexander ** and we could not be more pleased with the service he gave us. He kept in daily contact with updates as the refinance progressed and explained everything thoroughly. He was professional, kind and extremely knowledgeable about the entire process. We have refinanced previously and sadly that time was not an enjoyable experience. There was virtually no contact with the refinance company and we could not get anyone to answer our questions. It was nerve racking. I’ve seen commercials for NewDay and it was a pleasant surprise that everything stated in the commercial was true... and even better than stated. We thank NewDay and especially Alex for his help... He needs a raise!

It has been a pleasure to deal with Mr. Eugene ** during our refinancing process. His professionalism, outstanding customer service and all around assistance made this a flawless process. I would highly recommend your company and Mr. ** to anyone who is looking to do initial house or refinance process.

Our experience with NewDay was fantastic. We have lived in our current home for 14 years and incurred some significant debt due to unexpected medical expenses. We decided to refinance and use my VA loan. The account coordinator, Michael **, did a wonderful job and should be commended. I would recommend NewDay; especially to vets!

VA Loan - Did not fulfill stated goal and Purpose of the Loan. Not happy. The reason for the loan was to get rid of all credit card debt that I was forced into in a very short time. I was advised that ALL credit card debt would be covered (but not the car). The worst credit card of all, with US Bank for $12,800.00 was not included. I emailed Evan and complained, no response. I'm Not happy with what happened.

The loan officer (Shadi **) could have been better at asking required documents at one time. He continually would ask for more items instead of asking for them from the beginning. He also did not reply to my questions via text or email in a timely manner. Your commercial states you are dedicated to serving veterans, but as a 20+ Air Force retired vet, I did not feel I was taken care of. I had plenty of other options and I would think your employees would appreciate my business. To be honest if I did not have to deal with my dying mother at the time I would have taken my business elsewhere. I would like to recommend your services to my fellow vets but at this time I just don't think your agency deserves it. You would think I deserve some type of discount for the issues I had to deal with during this process. Thank you.

I like the loan and the terms are OK, your sales/ service people are great/ outstanding; however, your processing is broken. I suffer from PTSD and your information collection and approval process caused me to have setbacks in my mental health recovery. I have purchased homes before and have never experienced such incompetence. The information and evidence that I was asked for on the morning of closing put me over the top of my capability of coping with stress. I came very close to having myself committed to the hospital for mental health issues.

My contact person was very knowledgeable and helpful with the process also answered all questions and stayed in contact and was truthful in every way. If there was hold up in the process, he guided me to correct it. Would recommend to friends and family. Thank you for all the help through the whole process.

This was the easiest mortgage EVER! I received loads of advertisement from New Day. I was a bit suspicious about applying because I never heard of the company. I prayed about it and felt comfortable in my spirit. So, I called. My loan advisor, SCOTT **, was professional, patient, thorough, friendly, and compassionate about my concerns. He answered all of my questions and gave me great counsel. SCOTT updated me as the loan process progressed. He was prompt in responding to phone calls and emails. I was approved and the loan closed without a problem. I will definitely refer other veteran friends. Thank you very much!!!

It was the best finance I have ever had A+++. I would tell every vet to do this with NewDay USA. And the People was so nice to do anything can can to get you the amount you need and to lower your payment and put money in the bank.

I cannot say how wonderful the experience from beginning to the end. Daniel ** was the Loan Officer for this loan. Exceptionally gifted, well versed and extremely professional. Told us from day one what New Day was going to do and nothing, absolutely nothing went off track. We started the process on April 29th, 2019, signed the loan docs on May 21st, 2019, received checks and closing papers on May 28th, 2019. Text book process. I have personally been in the Real Estate business since 1971 and am aware of the process one goes through to purchase or refinance a home. Daniel ** will always be referenced in any conversation I have in the future doing Real Estate. A true professional who "knows his stuff". A definite asset to New Day, don't let him go! Again Admiral, you can be extremely PROUD, NEW DAY did another amazing job. Thank you for taking care of my wife and I. Sincerely, Charles and Mi Wol

I never thought I'd be able to get a home loan. I am a disabled veteran and tried going through a standard bank and was turned down. I called New day USA early one morning to see if I could buy a nice home... Well the story is we're are now moving in to our new home, New Day made it so easy it was unbelievable. I would recommend NewDay USA to anyone looking to buy a new home. Their tv commercials could not be more true. THEY GO THE EXTRA MILE! I am so grateful. Thank YOU NEWDAY USA!!

Mr. Huey ** was outstanding - helping me through the mortgage refinance process loan, he was very understand and kind and cover each items as they came up and always answer any and all of my many many questions. Thanks.

Most of my experience was positive. The one area that I think needs to improve is the communication with NewDay and me. There were days before I heard back on the progress of my paperwork sometimes. It just drag out too long. The gentleman I worked with was smart, articulate and knew what he was doing. This was great and he was great in that area. Just improve the communication timeliness.

My husband and I have been very satisfied with our dealings with all aspects of the loan process.. Our loan officer was very nice and communicated all necessary documents needed to expedite the loan process with time accuracy. We had a lot of documents that needed to locate... that was the difficult part because a lot of them had not been filed, and we were still unsettled and had not been in our home but two years and had a lot of construction going on during that time.. So the paper documents were a bit unnerving. That’s were the patience of our Loan officer was very helpful.. It took a lot of the frustration off the loan process... Thank You Andrew. You are an angel???? and Thank You NewDay USA... I would highly recommend your Company to any of our friends and/or family when appreciate.

I will start by saying my loan officer Brendt ** was excellent and did his part in making sure I qualified. I am a 10yr Iraq army veteran with an honorable discharge. My ltv is at 65. My credit score was at 623 and I own my own home free and clear, no liens and no other attachments and all fha appraisals and inspections were completed. Some rookie underwriter decided I did no qualify because I own my home free and clear that I did not qualify. This is some bull! I truly believe because of my location and color that I was redlined because I live in Detroit and an **.

A number one! Christy was terrific even at the closing they said how good it was working with NewDay! Thank you all for getting us in a new house??! I was 35 years at the former house and no idea what was in store for me! It was easy because of Christy!

This was a great experience - amazing customer service and very thorough with the whole process of the loan. The only suggestion I could make is that the final checks that went out to creditors were over the amount owed and now I have to track down credits back to me. Otherwise - a seamless process - thanks for everything!

The entire experience with NewDay was fantastic. The application and loan process was easy. It was very convenient to have the notary come to our home to perform the closing process. Eugene ** was very helpful, knowledgeable and was an absolute pleasure to work with. We will definitely recommend New Day to our fellow veterans!

The Best experience I have ever had in a loan refinance on a home. Philip ** was just Outstanding in every aspect of the process. Not one hiccup, and Philip kept us informed of every step. Philip ** is a real Asset to NewDayUSA, and I would highly recommend your company and especially Philip **.