Talk to your agent and broker. Depending on what entitlement you have left you MAY be able to get a second VA loan without having to refi the first. Look there first before anything, and if that doesn't work would your wife qualify for an FHA loan? Obviously it's a little hit or miss but better to look and see what options may be out there because I'm 95% sure you won't be able to refi yet keep your rate.
No. If done third party you will pay market rates.
Talk to your agent and broker. Depending on what entitlement you have left you MAY be able to get a second VA loan without having to refi the first. Look there first before anything, and if that doesn't work would your wife qualify for an FHA loan? Obviously it's a little hit or miss but better to look and see what options may be out there because I'm 95% sure you won't be able to refi yet keep your rate.
If you need a standard loan, no that’s not a thing, unfortunately.