could I get a lower rate going VA or conventional?
VA is the route to go. Better rate & no PMI + 100% financing. I specialize in VA loans. If you have have questions please call me at 832.731.6560. Thank you! Chris Planto with SWBC Mortgage

what are the rates now if I want to use my Va loan....
With a 620+ credit score we can obtain 3.75%