You did not have to be married to get into the new loan. It was only required that one of you were an eligible Veteran (which you already provided). You definitely are not stuck in the ARM…there is a special loan specifically for Veterans to refinance )Interest Rate Reduction Programs (IRRRL), yet now that rates have climbed, we will need to see what the benefits will be for you. I specialize in VA loans and we have in-house underwriting. Thank you for serving for our country and I hope to be able to answer your questions directly. My son just got out of the Marines and my brother is a disabled Vet. Feel free to contact me so we can discuss your options in further detail. I hope to speak with you soon, have a great evening.