I've been a loyal USAA guy my entire military career, but when it comes to mortgages USAA was terrible. They also sold my loan to a substandard company. Their service is terrible. I'm working with NFCU on a 30 yr VA and they have been outstanding. I understand that they may sell your mortgage, but will keep the servicing in house. USAA has lost a lot of my trust and I may pull out completely in the near future. They've turned into just another bank that will allow anyone to join.