My current mortgage is at 4.05% APR. I have been seeing people refinance for rates in the low 2% range. The last time I checked with my current mortgage company their best rate for a VA loan was still over 3% and wasn't worth refinancing. I might be better off now to go to a 15 year mortgage, or at least not go more than 20 years, which is how much time I have left on my current mortgage. What company did you use? I don't trust these things that pop up on FB (like Quicken and similar places), most of them seem like shysters to me. Any amount I can lower my monthly payment due to paying less in interest is a net income increase...