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

"Had a buddy who refinanced last year because he was convinced rates were about to skyrocket."

Haha, sounds like me every time I try timing anything financial... always a day late or a dollar short. Honestly, as a first-timer, I'm leaning toward locking in sooner rather than later - peace of mind counts for something too, right?

I totally get the peace of mind angle. When I refinanced a couple years back, I spent weeks crunching numbers, trying to predict rates, and honestly drove myself nuts. Finally just pulled the trigger because the stress wasn't worth it anymore. Sure, maybe I missed out on a slightly better rate later, but sleeping soundly at night was priceless. Sounds like you're on the right track - trust your gut and don't overthink it too much.

Did mine last year and honestly just set a clear target rate upfront. Once it hit, I locked it in and moved on - saved me from all that second-guessing stress. Sometimes simple is best.

"Sometimes simple is best."

Couldn't agree more with this. I remember when I refinanced my own VA loan a couple years back - I initially got caught up in the endless loop of rate-watching. It felt like checking the weather forecast every five minutes, hoping for sunshine while holding an umbrella just in case. Eventually, I realized I was driving myself nuts and decided to set a firm target rate. Once it hit, I locked it in and never looked back. Honestly, the peace of mind alone was worth it. Rates might dip slightly lower afterward (and they did, of course - Murphy's Law at its finest), but the stress-free sleep at night was priceless. Sometimes you just gotta pick your moment and trust your gut...and maybe avoid checking rates again for a while!

Rates might dip slightly lower afterward (and they did, of course - Murphy's Law at its finest), but the stress-free sleep at night was priceless. Sometimes you just gotta pick your moment and trus...

Totally get the peace-of-mind angle, but I'm curious - did you factor in closing costs when setting your target rate? I've seen folks overlook that and end up surprised later...