Don - just echoing some words of advice..
- go with a conventional 30 year fixed, no baloon, adjustable etc..
-VA rate not gonna be any better than what's out therre.
-make bi-weekly payments opposed to monthly payments. You'll end up paying the same as u would monthly, but cut off approx 8 years off the loan. 4C can explain this to you.
-REMEMBER when buying a house / condo..,. location, Location, LOCATION!! A home is the most appreciable asset you'll own.
-Do no over=extend yourself. brokers, banks and real estate agents will generally give you that support to do so. My taxes have gone up 3k in 4 years.. so do not count on that final payment to be fixed.
Good luck, Don. You're making the right decision. The market is def in your favor right now.
71fish