I just got a VA mortgage last month, 3.375%, I put over 50% down and I was still give the 3rd degree for everything, such as where did my earnest money come from, had to show bank statements and the check.
I went VA because Disabled Vets don’t have to pay a funding fee.
I am refinancing my VA loan going from 4.375 to 3.125. I began it just before all the Corona hooplah. Still waiting for it to close.
Oh, and since we just bought the place last May, we needed no documents. Easiest loan I ever made, so long as it still goes through on their end. They were completely slammed in January/February when rates dropped.