I have used both mortgage brokers and USAA over the years. The only time I used USAA it was very inflexible (over 10 years ago) and the closing was horrible (USAA only gave me one option/office that was an hour away). They haven't been competitive enough since to even consider. The one thing I did like was that they guaranteed to keep the servicing of the loan despite who actually owned it. I've changed servicers/owners on other loans and it can be a hassle. I do like the ATM fees waived but see other banks offering that as well. I moved my car loan to PenFed on my last car because USAA wouldn't match the rate but haven't been too impressed with their customer service. Finally, when I moved to FL they informed me that I had a set period (somewhere around a year) to purchase a house to qualify for their home owner coverage. Basically they were only offering to cover me because I had been forced to move there by the military. Now in NJ, I still have their car and renters insurance and have three sons hitting driving age so may need to shop around.