First and foremost, I can not say enough about Marcus Albright every question I had was answered in a timely fashion if not immediately. I don't think this poor man ever sleeps. Anytime I called no matter how late in the day he answered the phone and took care of business. Thank you Marcus. Now for the VA IRRL process, not as easy as it is made out to be. If you are refianancing with you existing mortgage company not so bad they have all your information. If you are looking for a better rate with a new company get your documents together because there are many more you need to provide. LoanUnited is a good company they got us in at 2.25% at the last minute. I don't think rates have been this low since the sixties. Thank you, Marcus, and thank you LoanUnited.