I’m exactly 1 year into our 30-yr fixed Jumbo mortgage, at 2.875%. We’re in our “forever” (at least until my youngest, 4, graduates from HS) home, and I’m not interested in taking cash out (~$200k of equity in the house). Just seeing rates that start with a “1” in the 3 mailers I get every day and feel like I should jump on it. Have also heard that with a VA loan there’s a streamline refi option that’s cheap and easy? Anyone know anything about this and gone through the process?