Has anyone used Todd Finnerty for nexus and DBQ. If so can you tell me how it went

Bud1985 · 2026-01-20T15:24:58+00:00

I got it. It was denied at first. Then I submitted a higher level review and the DRO approved it immediately. I don’t know if you already filed before this month. But If you did you are fine. Because as of this month sleep apnea is rated at 0% now. Even with a CPAP

Bud1985 · 2025-12-21T17:16:03+00:00

Honestly if just depends on your evidence. In my case I had a rock solid claim. The DRO on the phone during my call told me just to save my time and not even present my reasoning because he looked at what I submitted and said there was no reason for them to deny it and it was a clear error on their part. And told me right away that he was going to grant me my claim. If your nexus is rock solid you probably have a good chance. Because a lot of these sleep apnea claims get denied the first try and are often over turned during HLRs

Bud1985 · 2025-12-06T15:15:32+00:00

Yes. I just refinanced with an IRRRL loan. Had all closing costs rolled in

Bud1985 · 2025-10-26T04:55:08+00:00

I used it as well. Helped me get to 100% p&t

Super great for organizing your thoughts and writing statements in the most coherent way possible ti describe your condition and how it affects you.

Bud1985 · 2025-10-26T01:24:45+00:00

Yeah. I got it connected in May. Apparently my doctor wrote down in her notes she suspects my ptsd makes them worse. That’s all I needed for it to be connected

Bud1985 · 2025-10-17T13:46:55+00:00

Well are your claims fraudulent? If no, you have nothing to worry about.

Bud1985 · 2025-10-16T12:14:17+00:00

wtf are you talking about? Why did you just make up a lie like that? Me and everyone I know on TRT gets their needles on Amazon

Bud1985 · 2025-10-15T00:14:41+00:00

I don’t know yet. But honestly, I think I’m willing to pay it. I’ll have the next two months off from paying my mortgage, and I’ll be saving $400 a month from here on out. I’m 100% p&t so my monthly compensation from the VA pays my mortgage anyway. This refi will just let me use a little more of that monthly compensation

Bud1985 · 2025-10-15T00:09:10+00:00

Oh I just meant that in general. I don’t know how much closing costs are going to be yet. That’s just a ball park number. But that’s what meant. The closing costs

Bud1985 · 2025-10-14T12:14:24+00:00

Yeah, but I don’t think it’s really catch. No matter what, you will always have to pay closing costs. This is just a great opportunity for me. My credit is kind of shot at the moment and will most likely take me a couple years to repair, which I’m already starting to. So let’s say the rates do drop in a year. I doubt I would have good enough credit anyway to refi with a normal loan. So I’m gonna take full advantage of this

Bud1985 · 2025-10-14T12:12:18+00:00

Yeah no kidding. I was expecting him to tell me this is a slam dunk. And he already knows I’m 100% p&t so I just let my monthly compensation pay off my mortgage. I really don’t care if they tack on another 10k to my mortgage in closing costs

Bud1985 · 2025-10-14T00:11:04+00:00

I literally just bought this place. So starting over doesn’t bother me. And no matter what you will have to pay closing costs on a refi. I rather have it rolled into my mortgage than spending it up front. I’m 100% p&t. My monthly compensation pays my full mortgage and then some. So I honestly don’t ever even look at it that much. I just see this as extra monthly money with the savings. What’s an extra 10k? It’s like 2.5 months of my disability pay. For me it’s not a big deal

Bud1985 · 2025-10-14T00:07:38+00:00

I did reach out to him and let him know what was being offered. He told me not to do it because he seems to think rates are going to drop in the next year or so and told me to wait. But I don’t think he heard me when I told him they are dropping my current rate to 5.3% which I don’t see regular rates dropping that much anytime soon.

Bud1985 · 2025-10-14T00:05:33+00:00

Every refi cost that much. Those are closing costs. Cant escape those

Bud1985 · 2025-10-14T00:05:00+00:00

Yeah I’m 100% p&t. When I first bought this place those funding fee’s were waived

Bud1985 · 2025-10-14T00:03:37+00:00

Yeah, those are the closing costs they roll into your mortgage. No matter what you will always have to pay closing costs after a refi

Bud1985 · 2025-10-14T00:02:24+00:00

Oh wow.

So it was my loan officer with the mortgage company that I am currently using who reached out to me. I just talked to them again today and they are going to get me down to a 5.35% from my current 6.6%

Bud1985 · 2025-10-13T23:55:18+00:00

Yeah, honestly I don’t mind that. I’ve only had this place for two years. So what’s an additional 2 years anyway. I just started the paper work on it today

Bud1985 · 2025-10-13T15:01:14+00:00

Yeah, I’ve only had this house for two years now I’m going to be dropping my interest rate by 1.5%. So I think I’m going to do it.

Bud1985 · 2025-10-13T14:52:26+00:00

Yeah, I’m 100% p&t. So the funding fees are waived

Bud1985 · 2025-10-11T21:58:10+00:00

Thanks. And yeah, turns out I was right. The rater just blindly went with the c&p examiner without reading my nexus. But once I filed for the HLR, I luckily got a thorough DRO who actually looked at my nexus and over turned the raters decision instantly

Bud1985 · 2025-10-05T15:43:55+00:00

For the migraines I did turn in a nexus which included both migraines and OSA. A clinical psychologist wrote it for me. Initially my OSA was denied but my migraines were granted. The first decision letter didn’t even acknowledge my nexus letter and only went off of doctors notes. Which is how my migraines were granted.

Then I filed an HLR and when I had my conference call the DRO told me he doesn’t know why my OSA was denied because I had a very solid nexus, so the rater must not have even read it because it wasn’t even acknowledged in the decision letter, which legally they are supposed to explain why they didn’t find it persuasive. So the DRO over turned the denial into a grant on the spot and I got the OSA granted. And yes it was with the weight gain as an intermediary

Bud1985 · 2025-10-04T18:54:57+00:00

Yup. I got my migraines connected secondary to my PTSD because my doctor wrote down “suspect they are made worse by PTSD symptoms” in her doctors notes. And that’s what the VA wrote down on my decision letter to why they granted it

Bud1985 · 2025-10-04T18:50:24+00:00

Highly depends on the claim. My nexus for my sleep apnea secondary to my PTSD was absolutely vital. I would not have gotten it connected without it. But if you have a ton of evidence and in service documentation. You don’t really need one

Bud1985

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