Pros
Free sodas, the view is really nice from the office
Cons
This is the classic call center experience. Expect to be on the phones and not allowed to leave your desk for restroom breaks or to be told to get back to work while you're clocked out for lunch. The clients and management are cruel. The leads are usually ineligible for VF's product offerings and you are audited and scrutinized to sell hard on each client. Every issue encountered with each client will obviously be the LO's fault. It is a lot of work for very little compensation and the company keeps putting problems back onto its workers instead of fixing marketing or processing. The CRM is a mess to work with. It will not save your information, your leads will drop off, and the contactors will pass them along to other LO's even if you notate and have all of your dates set correctly. Management has remedied this by adding more clicks in-between each step in order to draw out and over-complicate the notation process. The software constantly has freezing and crashing issues and it is severely frustrating losing all of your work and having to do double-work to replace what you've already done. Be prepared to give out your personal cell phone number and make unpaid trips into the office on weekends to work. The contacting department only cares about showing off high call volume numbers and LO's are expected to pull credit on every lead. Even if you get someone who is interested in a product that VF doesn't provide this will mess with your stats and you'll be required to go to a training as punishment. Any means to address this has fallen onto deaf ears, it's obvious that this company cares more about call center numbers, dials, and talk time than actually closing any loans and making money. Stats are railed all the time, you'll have management glued to your movements and stats every step of the process. Waiting on a document from a third party to arrive? Well expect 15 emails/calls hounding YOU on why it should be in the file. You are also not given any tools to be competitive, our rates are outragouesly higher than the national average and once you get a client willing to stick around long enough they'll bail once they are disclosed of our rate. The product/service at VF is not any better so it's a difficult sell unless you have somebody desperate enough for housing and meets our particular guidelines. Processors here are unresponsive and underwriters will have arbitary reasons to kick a loan back. Expect to process your own loans here while your processor is sitting on their phone or listening to music instead of making calls to your appraiser or to title. We were initially promised $55k-$75k of income for the initial year, 90% of the loan officers made no more than $50k in 2017.