<prompt> Human: Is that a good rate? Should I shop around some more? This is my first time buying a home and Im a little lost. So details: its a VA loan and I am using my credit union. Its in NJ and my credit score is 743. Before taxes I make 110K a year. Any and all help would be greatly appreciated. Thank you.  <response>: Good rate for a 30 year.You could do a little better for a 15 year. 