Originally Posted by FlyBoyd

I hear you but...

All I had to do was not mention I was retiring. I was asked if my income would change significantly in the next three years. I answered no but then made the mistake of expounding on the answer which was that my retirement plus my new job(s) would be about the same income. We were off to the races after that. If I had just said no and sent them my last two LESs I would have been refinanced inside of a month. They have no visibility on promotion boards or the service member's intent to stay active duty. I could have completed the refi before I retired.

Although I wouldn't be lying by simplifying my answers, the questions they asked wouldn't have prevented me from getting the loan. They never asked if I was changing jobs.