You have a low loan-to-value, and are paying an above-market rate, so there is a good chance you can save some money with a refinance. Feel free to contact me at 877-928-6001 and we'll work up a quote for you.- Richard Dawley, Acceptance Capital

We do handle commercial loans and you have a very low LTV so that will help with rates. However, the first thing you must do is to fill out the application to determine exactly what the rate will be.My name is Ana Vichaidist and I am the senior loan officer at First USA Home Loans. Please contact me for a free consultation with no obligation at 1-877-472-9887 or email at avichaidist@firstusahomeloans.com

Jim, have you tried your local bank yet? I have sources for commercial loans but they all want loans of 500k or higher. I would think you would have better sucess with one of the local banks in town that know your Veterans club