As an investor and disabled veteran (although you do not have to be a veteran), I am exempt from the VA loan funding fee too. 5% down on 30 year notes most recently at 4.5% is legit.

I definitely made sure they had proper and legit iscensed and insured.

Regarding if this is legit.

An update on AHP: Phone number is now disconnected, so there's no way to hear anything from them, be it legit or BS.

are they legit or scam? 

If that is you please DM me as I am struggling to find any legit reviews good or bad unless it is straight off his website or from angry people screaming scam alert without actually having done anything with it.

How can I tell if things are legit here ? 

Hey Gabriel, The FHA streamline is a legit program.

A ton of questionable money raisers are running around as "co-GP", but do they "really" co-GP or is it a shell title with no authority nor a legit role outside of raising $ for a cut?

Now I know why, because the extra few hundred K wasn't secure if the lender thought it was legit closing.