Your best course of action is to meet face to face with a Local Mortgage Banker. She'll review all the facets of a successful refinance application to determine if you qualify and what loan programs you'll qualify for so that you can apply for the loan and lock in a great low rate for a single mortgage payment.
Since it appears you are a Veteran, then the VA offers 100% financing and could very well be your best bet - as FHA financing only goes to a little over 97% loan-to-value and conventional financing would only go to 95%. Plus with FHA & conventional financing (over 80% loan-to-value) there is annual/monthly mortgage insurance which VA doesn't have. VA does have the VA funding fee though (unless you are exempt), but FHA has a similar upfront fee called the upfront mortgage insurance premium (which you can't get out of).
Shane Milne | Lending in all 50 states | NMLS #81195
I have an office in Fontana and can help you with your refi. I have several questions for you, please call me. My number is (909) 578-6437 cell (909) 349-1544 Office Let's schedule a time to meet this week so we can go over your options.
Leticia Martinez, Real Estate Broker