Old Virginia Mortgage - Virginia Beach

This first meeting with Joe Harris occurred between Oct. 12 and Oct. 16, 2012 as I signed paperwork with Tom on Oct. 16 and began my search for a town home.  To my shock I had been approved for a $150,000. loan.   After 4 months of searching, in Feb. 2013 I found my town home and it was under the approved loan amount ($135,000.) and I was ecstatic.     Began more paperwork on Feb. 20 with Tom and Feb. 28 with Joe.  Contract was to be re-written on March 8 as property had not been on the market long enough.  Closing date was to be March 20.  Then the nightmare began.   Home inspection was completed on March 1.  While waiting for appraisal to be completed, I began taking paperwork over to Old Virginia Mortgage, in the beginning maybe once or twice but during the last two weeks of this horror story, I was going everyday and sometimes twice a day.  When I would ask "why didn't you ask me for this sooner", Joe's answer was ALWAYS "how did I know they were going to need this".  I started to feel very uncomfortable about the way the process was being handled.  I would be tag teamed by Joe and his sidekick Doug Bills ( Business Internet Manager) on their speaker phone.  I felt somewhat bullied with "well, we have to have this right now".   I had another meeting with Doug on Sat. 3-16 and while sitting in the office I noticed I was still on the chart for closing on 3-20.  I knew at this point we were still waiting for the appraisal to be completed as repairs had not yet been done on the town home but Doug assured me we were still closing on that date.  I called my agent when I came home who then called Joe on Monday to find out if the appraisal had been completed and were we closing on the 20th?  Well, no surprise, the appraisal was not done yet - Joe blamed the appraisal company for being busy - so the closing was postponed to March 26.