@kbot before you consider USAA mortgage, take some time to read the posts on this website. You may want to reconsider using USAA and work with a local bank or credit union.
On a personal level, I refinanced with USAA and it was very disorganized and it should have been a no brainer. Credit scores in our family at the time - near 800, assets in USAA accounts at the time close to 1M - much more in assets outside of USAA even though USAA never asked about them - Husband's salary definitely at 6 figures and had been for 20+ years. We were only asking for $200,000. Have never bounced a check, have never missed paying a bill (except when BillPay screwed up), and we pay every bill in full regardless if the balance due is $1 or $15000. It was one problem after another. So with our history it should have been a slam duck, but instead we were scrambling around until the very last minute to get this mortgage taken care of because USAA could not get their act together.
One thing that you will need to understand is that with your credit score you will pay a higher interest rate.
