Thinking about refinancing my VA mortgage, curious what others are doing

You're right to be cautious—refinancing can be tricky. I've seen clients who jumped at the lower monthly payments without fully crunching the numbers, and later realized they weren't really saving much overall. But if you're planning to stay put for a while, it can still make sense. Just make sure you're looking at the total cost over the life of the loan, not just the immediate relief. And yeah, lenders love highlighting short-term savings... funny how they gloss over the long-term math sometimes.