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I’m closing in a couple days with nbkc, who has been great. I don’t recommend NFCU home squad.

I called navy and spoke to a different LO and she agreed with me and suggested I appeal. She was great but told me I have to work with my original LO. 😭I emailed original LO and she stated I have one appeal and I should clearly state what I’m appealing and provide proof in pdf. I’m really...

I called 3 other lender’s and they all said 210 days to prevent churn. I’m wondering if the navy loan officer was new. She said 6 months plus 210 days so over a year. I had a good rate with one float down so I would like to stay with NF.

@paullivesgaussabides I’ve checked with nbkc, which was recommended on another military forum. They are also 6 months till irrrl. There rates were a little worse than navy but better than usaa. I’m going to shop around but hate getting all these spam calls once you get on a refi internet list. 😭

@matthew45taylor I have a friend who got a home equity loan and he said it was super easy. I feel like my LO is screwing with me. I want to appeal the underwriting’s decision just based on the fact they are not understanding or following the Va rules. The LO made the appeal as difficult as...

@ilovejesus123 So 13 months? That’s what my loan officer is telling me but everything I read direct from every other source including the Va, says 210 days after the first payment. I thought the 6 months on time is concurrent to the 210 days.

@charles15 Yes I’m working on a new lender but NF had the best rate by almost 1/2% so I’d like to get them straightened out before giving up however the loan officer was sure she was correct.

@charles15 I closed in late April so my first payment was June. So 210 days later is Jan?

I bought in April ‘23 when rates sucked (7.25). I heard irrrl was available at navy federal (5.6) and they told me I met there requirements and started the irrrl process in Dec. I submitted full doc’s and was in underwriting and they just denied me and said I don’t meet Va eligibility...