Lay it down for me on a re-fi. Home worth about 400K, owe 290K (OG mortgage was for 315K, put down 50K), current rate 3.25 with a VA. I am recently 100% DOD and VA, is there something there? I understand if you cannot talk in absolutes, I don't want to PM, want this info for the masses, my credit is in the high 700 almost 800, in AZ. What can you do, saving $100 a month isn't worth it to me when a new loan will be all interest up front.