We refinanced under the VRRL(Veterans Rate Reduction Loan) for VA loans.
It took us 30 days with USAA. We had to sign paperwork. Our initial loan was through them.
It was very, very pain free. We went from 6.5% to 3.4%. Saving $800 per month on our mortgage.
With USAA there was no out of pocket costs, no closing or appraisal fees. It didn’t cost a us dime.