What happened is that a lot of less-than-scrupulous mortgage brokers sold good for 2 or 3 years mortgage teaser rates, when rates would rise, often beyond 4 or 5 points from the rate of the normal housing market.
Interest rates really depend on how you were able to meet the requirements for the VA home loan.

You can avail of home mortgage refinance and convert variable rate mortgage (ARM) to a fixed rate mortgage (FRM), therefore stopping the floating interest rate and make it predictable and affordable.

refinance with va loan loan rate comparison best 10 yr mortgage rates

You can go to their websites and learn about what is available, current rates, what qualifies and etc.
In terms of fair compensation for your work, you have to accept the basic rule.

With your home loan refinancing, you can opt for money to make some minor changes to their homes.