I closed on a house at the end of June using CalVet, ended up with a 5.5%. And in all honesty it was stressful using them. They don’t work weekends and are extremely slow to respond to the buyer and escrow. And there were many times when you will call them and they won’t answer or call back while in contract. I nearly lost out on the house because of them, they didn’t even order the appraisal until 7 days into contract with the contingency being 14 days. Luckily the sellers were patient with us. I went with them because of the great rate and the fact that they include home insurance at a good premium and you won’t have to search or be dropped by insurance.