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I learned about the VA quick refi program by chance, and it looks like the best loan on the market today. It doesn't require an appraisal, so it doesn't matter if you have equity, the VA is just looking to help its members by refinancing them to a lower rate, and also giving members of the military $6,000 to create a more energy-efficient home environment.

So, if you have a VA loan presently, and your interest rate is 6.5% or higher, it would be a good idea to check out http://www.goldmanklein.com/1-va-quick-refi.html.

You'll be glad you did.

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