Why are vaiable rates lower than fixed rates in general?
In general, all loans are priced on a risk to reward factor for the lender. If you are 100% sure that you will be moving then you shouldn't pay the higher interest rate. But you never know what the future has in store and I generally advise clients on a fixed rate mortgage for this reason.

I would like to refinance an assumeable VA loan.
Hi, I specialize in Va interest rate reduction loans with no appraisal required. I'm a local Albuquerque broker. You can check my web site out at philhills.com or call me directly at 505-792-9313.

What are our chances of qualifying for a new home with my husband only being at his current job 6 months?
As long as he is in the same line of work for two years you guy's are fine. Call me at 505-792-9313 and I would be happy to help you. Thanks, Phil Hills

Is now a good time to get an ARM 5/1 loan? I plan to sell my home within 5-10 years.
Fixed rates are so low I don't recommend ARMS regardless of when you sell.

is 620 acceptable for an fha loan?
I agree that increasing your score to above 640 is the best route. Even if you can find a lender that will allow the lower score you may have to put 5% money down vs. the traditional 3.5%. To raise your score is could be as simple as paying your credit cards down to below 40% of the available credit line. Or getting...

30 fixed v. ARM?
if you are planning on selling your property within 5 years I would consider and adjustable mortgage. Otherwise if you plan is to keep your property do a fixed loan. Phil Hills Mortgage Banker 505-792-9313

how easy/fast is it to get preapproved for VA
My time frames are 24 hours from application. Phil Hills 505-507-4701

What is the maximum CLTV for a VA loan?
CLTV or Combined Loan To Value means that you have a first and a second mortgage. VA financing allows up to 100% loan to Value. Is this for a purchase or a refinance? Call with questions: thesimplemortgage.co 206-489-5202

Single woman bought house in AZ. Now married, but still sole owner. Now doing refi, does husband have to sign if still sole owner?
Only if it's an fha,va,usda loan otherwise you will need to have title prepare a sole and separate for conventional financing.