Agree completely. I've recently applied for a home loan with another company. The mortgage loan officer was astounded when I told him my annual homeowners insurance rate. He said it was 40% more than what I should be paying. I, too, will soon be shopping.

I have applied for mortgages with USAA as a reservist, and it's been a constant problem explaining the variations in my income. For a company that specializes in serving the military, they are just as difficult in the underwriting department as the others.