If any of you are Veterans, please do not forget about your VA Benefit in the form of a Guaranteed Mortgage Loan with NO Mortgage insurance, even for a 30 year. I only have about 8 years left to pay on my home and would surely not do a refi myself but, I can see the attraction today with the low rates and adjusted PMI. Mortgage company's sell them back and forth like nothing so it really matters not who holds the mortgage because they will probably sell it to another company anyway. Good luck no matter what you decide.
VA loans can be a good deal but they are not the best for all. That squid bastard at New Day USA is reaping millions on his "fellow vets".