Just wanted to provide closure. I'm getting funded tomorrow and closing by Friday. I'm closing ahead of schedule as my escrow period actually ends July 2. Underwriting was sort of a PITA, as we went through 3 iterations. Trying to understand the settlement costs and everything else was new to me, but my lender was cool and provided explanations to the line items, as did my escrow company. I was fortunate that my seller worked around the VA loan requirements and was military friendly. Considering I live in a low inventory area, he probably could've thrown me to the curb for another buyer with less restrictions. He fixed all the inspection findings and came through at fixing a spa that wasn't even on the listing, due to it be inoperable. Also, he removed/hauled the carpet away at no charge so we can lay down flooring. So awesome!
To anyone looking to get VA loan (or otherwise), with excellent credit, steer away from NFCU/Veterans United if you want to save on costs. Check Zillow Mortgage Finder and do some due diligence on your options. Good luck!
