For VA loans, Cobalt makes magic happen! My own bank turned us down for a VA loan and claimed that processing would take 90 to 120 days if it had gone through. I thought we were going to miss out on our new home because the bank already wasted about a week of our time before they notified us. I was then told to contact Matt Baker at Cobalt Mortgage. I could type forever listing the little things Matt and the Cobalt team did to make this process smooth, but I'll just sum it up; they worked some magic! We were offered the same rates as our bank was giving us, and they said the VA processing could be done in 7 days instead of 90 or 120. We had a few bumps in the road with negotiating with the seller and other random things, but each time Matt and Cobalt had a perfect answer. Once it was time to deal with the VA, Cobalt expidited our processing and it was complete within 4 business days! I have buddies who dealt with their banks and other lenders and they tell me how much of a nightmare it can be, but our experience was awesome!