Closed with Dave Devine, 3.25% like most of the others of late. Great rates, leaps and bounds better than what USAA was willing to offer. Also, Dave pointed out that USAA was trying to charge me over $100 a month more for Homeowner's insurance as compared to other companies. Got a great rate and helped me save some money on the insurance side as well. I highly recommend Dave and NBoKC for VA loans. Great customer service and easy to work with over the phone or through e-mail with quick response times.