Andrew Ginter & Cecilia Sherrard
I hope you don't have a Disability; but if you do, it will be another benefit for you.
They threw us a curve; adding a FUNDING FEE to the Loan. This is about 2.3% (check me on that), and can be folded into the loan, if you don't have it.
That raises the effective Interest Rate; but there is no way around it, unless you are disabeled.
But with NO DOWN and the other factors, it is still a good deal.
You need to go in to your local VA office and apply for your ELIGIBILITY, (if you already haven't).
They can also advise you in many ways; take advantage of them, they're there to help.
You might contact the NAVY FEDERAL CREDIT UNION, for the Loan; they service all branches if you weren't good enough for the Navy :)
Good luck luck and may God bless