my name is not on the grant deed. can i co-sign for my husband to refinance
You can deed onto the property and be on the loan. That canbe done with the escrow for the refinance.

Can we refi from conventional to VA?
Yes - make sure and look at the VA funding fee. If the concern is the loan-to-value of the home, you may want to compare a HARP or lender-paid mortgage insurance. you may have already done that but it may be worth it to compare the options.

Should I refinance or not?
I would at least look at a 5/1 conventional that would save some money right now. how long do you plan to be in the house? that would be a factor in going for a 30 year.

What is the best no closing cost rate in orange county ca
I have 4.375% - 4.375 APR for a conforming loans between $200k and 417K. That is with a 75% LTV or better and a 720 or better credit score.

Do we apply for a VA loan with VA directly or do we we do it with a normal mortgage broker?
With a mortgage broker.

15% down fixed rate mortgage have PMI?
Yes, in general but you can do lender paid MI that is a better option.

Is the closing cost for the loan coming out of our down payment?
Closing costs would be in addition to your down payment but you may be able to go with a slightly higher interest rate and get the lender to pay most or all of the closing costs.

who pays for termite inspection, buyer or seller
Usually the buyer.

Can you get a mortgage or reverse mortgage on residential property that is owned out right with no house on it?
No on reverse but you can get a land loan.

Looking to refinance
You may be able to do an LPMI program. Do you know the value of the home?