I'm in the same situation. I'm 10yrs into a 30 @ 4.1%. Remaining principle is ~$130K on a home worth ~$320K today. I'm not in a situation where I wan't my monthly payment to go up and I don't want to throw away money on closing costs just to stretch the mortgage back out to 30yrs, just to get ~2% As it is now I make one extra principle payment per year.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...
I was seeing something like $8K in closing costs, although I only researched online. Still getting calls, emails and texts from them. No thanks.