He told us the VA refinance would cost us nothing, I asked him to clarify 3 times about how much it would cost us, each time, because it is the VA program it nothing. We get our loan paper work and said 7k+. I told him I do not want to reset the loan we have already paid 5 years on He said OK will run 15,20 and 25 year rates paper work said 30 year loan. The boxed I was asked to initial affirmed I had never had a VA loan. As stated above it was a VA loan so saying it I had never had a VA loan would have been a lie on the application, HARD PASS on that one. User's recommendation: Find a local bank that only that knows you and knows what it is doing.