I'm 18 years into a 30 year 6% fixed VA loan. From 190,000 to 137000 should I refi into a 10 or 15 year loan?

If you can qualify for a 10 yr...that would save you the most interest over time.That is the quick answer. For formal analysis feel free to contact me. 562.254.5616.

Do a 15 year term and keep the payments lower and make a couple extra payments a year. You will then be able to pay the 15 year faster than even a 10 year term just making the payments.