All, great folks and awesome service at NBOKC, very friendly and work to get all your questions answered fast. This is my 3rd VA loan and by far the easiest process so far...I was able to lock in at 3.75% no points for 60 days and will put 5% down to reduce the funding fee from 3.3% to 1.5%. Ask to work with Sharon Farnsworth, best customer service experience and very knowledgeable of the process. Look forward to closing!