VA 30 yrs (IRRRL)refinance – done

Just wanted to share my first refinance experience with everyone. I was able to lock in yesterday at 5.625 (VA 30 IRRRL) with no discount and about 0.41% in closing cost, I’m funding the initial prepaid and escrow. Secured the loan with my first mortgage lender(return customer gets a better rate vs what is advertised, be sure to ask). Also was working with a broker but he couldn’t lower the closing to match, his rate was 5.375, but an extra 1.5K cost in closing. I did a quick month, it will take me almost 15 months to recoup that amount, which I’m looking to refinance again after 210 days… not worth it. So, just wanted share my numbers on IRRRL as a baseline for you guys.