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Ron Zach's Answers

do i have to pay PMI if I have to refinance my loan using VA?
No you are fine. No monthly or annual PMI for VA loans.
qualify for loan, too young
Age really is not a factor and can't be when being considered for a loan. A young person however, may face real challenges getting a mortgage loan because of either no credit history or new credit history (less than one year of reporting trade lines).

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