Spare yourself and don't go to USAA. I have been a loyal customer with them for YEARS. I have had 2 loans, paid off early, and all my accounts and credit cards with USAA. With a 730 credit score, I set out to mortgage through them because I trusted them. We went over my situation all at preapproval time. The Monday before closing (supposed to close that Friday), they tell me they need documents I already turned in. Then, they say I need one more letter from my supervisor stating I work from home and if I can get those things I'll be approved. I get a letter stating verbatim what they want and they still denied the loan because they didn't think it was enough even though it was what they asked for. I have lost HUNDREDS of dollars on this deal and I am an incredibly financially stable contender. USAA will never see business from me ever again.
Bottom Line: No, I would not recommend this to a friend
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