VA, Conventional, ARM?

[Anonymous]

We were just informed that our mortgage was sold to NationStar, given their horrendous reviews, we're seriously considering a refi elsewhere. We have at least 30% equity but we're not sure which method would be the best, 30yr conv, 5/1 ARM. Scores are Ex02 730, Eq5 683, TU4 692 according to MyFICO.

It appears CUs offer the best current rates

[SamsungHDTV]

what's your current rate and when did you originate your mortgage?

[Anonymous]

Currently 4.75 about 8-9 years ago. Will probably stay here another 10 years

[edcampbell613]

If it was me, 

15yr VA

lowest rate without having to jump into the ARM market, 

you could do the 10yr VA but the rate is the same, just do it for the cushion if you ever need to free up money, when you dont, make a 10yr payment.

[Anonymous]

Rate-wise, I am not sure, but I had pretty good experience with Nationsar (BOA sold our mortgage to Nationstar). Everyone I talked with were friendly, and very understanding when there were errors on the report.