We have been throwing a lot of money away on renting for 15 years and are tired of it. We've both got really good credit. Based on their website and our credit rating... they are saying we can get between 3.00 and 3.25% depending on points utilization. We thought the convenience of having all of our financial stuff (banking, savings, mortgage, insurance, etc...) all through one point of contact would be convenient. The biggest complaint we've seen through USAA is lack of communication (difficult to get in contact with your loan officer) and them being late (not meeting closing dates) on paperwork.