[davemitchell59]

If you have a down payment over 20% you may get a better rate going with a conventional mortgage rather than a VA mortgage. Compare your initiation fees and projected closing costs for both, but the upfront costs on a VA loan are usually a bit higher than conventional. The ads your getting are "bait" ads to get you to call them. Go with someone you know. Often your local bank or credit union can get you a decent rate if you have history with them. Your local bank/credit union may also hold the mortgage where ABC Mortgage will often bundle and sell your mortgage year later and then you're sending your payments to XYZ Mortgage until they sell it to RST Mortgage.