This is getting more amusing. I emailed penfed and said my father in law (retired O-6) offered to co-sign and response was "any co-signers must live in the residence"...gave my wife and I a big laugh. We really didn't really intend to do it but I was surprised to get that response. I am conditionally approved by Quicken and local lender is still "researching."

As for VA loans--been there, done that and have little desire to do the drill and pay the fees. Appreciate info and discussion above.