We knew we had so much money in the bank, which made it possible for us to play a large amount of money to the company car loan every month.

For a VA home loan refinancing, mortgage rates can range from half a percent to 3%, 4% or a little more, depending on the individual situation.

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The secondary market investors are the main controllers of the current home mortgage refinance rate.
Many people find they are able to refinance once and benefit from savings and when they see rates fall further, they are interested in refinancing again.
A few years later circumstances have changed and you can be in a better financial situation.
If your credit score is below 600, you are considered high risk, therefore, not good material on loan.