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We bought a house last March (2.99 VA loan) we had to wait 240 days to refinance and did a refinance for 2.49 VA loan. Reduced our monthly payment $200 a month. My wife knows the house buying, selling and financing stuff, I was a Soldier for 31 years and lived a vagabond lifestyle and never bought a house until I retired.
I probably did not help with the original question, but just sharing my experance.
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1982 930, K-27, BL adj. WUR, Rarlyl8 Headers and Hooligan muffler, PK CDI, 22 and 30mm torsion bars, poly bronze bushings 30mm raised spindles and custom valved Bilstein shocks (by Elephant Racing), monoballs front and rear (by Rennline), Alton 17" Fuchs, Fred Cook fuse panel
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