As for Quicken, or any lending company, we all have opinions. As for a VA loan, it is an excellent product. Yes there is a 2.15% (of the purchase price) upfront fee for the first time user, that can however be rolled into the loan. They have no mortgage insurance, they are 100% financing, and when done properly (seller concessions) a veteran can get into a home with no money out of pocket; that to me is the least we can do for our Veterans. My partner and I are VA experts and would be more than happy to assist you secure a VA loan.