re: Cash out mortgage refi suggestions

USAA mortgage service sucks. It's outsourced, or at least it was. When we purchased in Arkansas 10 years ago, it was ok. When we purchased in Nola 7 years ago, it was awful. Multiple requests for same docs. Follow up non-existent. Etc. Basically same as you. We have multiple USAA products, but I wouldn't recommend them for mortgages unless you have a great deal and lots of patience, or the ability to give them a swift kick in the arse to do what they need to do.

When we bought a 2nd property in Nola, we used Iberia and everything was smooth.