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None. My wife and I applied for a VA 15 year mortgage through Navy Federal Credit Union in XX/XX/XXXX. More than six weeks later, it was denied for inadequate income. Navy Federal would not consider the more than {$400000.00} in annual income we would receive from the XX/XX/XXXX sale of XXXX XXXX that we owned for more than 30 years. Subsequently, Navy Federal moved us to a conventional, 30 year mortgage at a higher interest rate. The failure of Navy Federal to act timely, to look at the source of our income and how long we had that income was unconscionable in our eyes. From day one, it was clear that we had sold our business and our principal source of income was now through a 20 year contract with the employees who bought the business. By the time Navy Federal acted, we were so deep