I used a home equity loan to buy an adjacent vacant lot. Just to set the scene, I have >800 credit and never even missed a payment on a credit card. The first two people I dealt with (Bryant and Stephanie) were nice, professional, and competent. Then my loan went to an underwriter, and the experience was so poor that it left a really bad overall impression of Wyndham. The underwriter obsessed over tiny accounts (CDs) that had nothing to do with my ability to repay the loan. She kept asking for documents that I had already provided. At one point I literally told my loan originator that she must have it in for me, though I had no idea what I had done to deserve it.
Tip for consumers:
Be prepared for more paperwork than you thought possible.
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