Best option for refinancing a conventional home loan? Also VA or no VA loan?I have a conventional home loan with Navy Federal Credit Union. I am looking to refinance to lower my monthly payments and lower my 6.0 interest rate. With so many options it is hard to choose what is the better/best option. Also should I go with a VA home loan?August 27 2012 - Virginia Beach00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.