I want to refinance a balloon on a fixed rate mortgage over 15 years?

I live in Saginaw, house worth $ Michigan.Das 95k.Ich still owe $ 68k.Ich refinanced twice and not have to pay PMI because the first mortgage was VA Darlehen.Muss I pay PMI this time, and the lenders to choose? The balloon mortgage is due in September 2010.
I have a VA loan and thought it was fixed at 4.75%. As this is an increase from $ 40 to my monthly mortgage payment? I was put in place, and my wife told me that the mortgage company said the value of property increased or change something in this area. This was our first house and we bought them in a sort of rush, I could get my mortgage payment?

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