I can currently pull the trigger on refinancing my 30yr mortgage from 4.375% down to 3.375%. Closing costs are $3k with no points which I would roll into the loan. I’m contemplating on just going for it and taking the ~$100/month savings or holding a little longer to see if rates drop even lower. I definitely don’t want to miss out on the 1% I can get now but would love to save even more (who wouldn’t). Thoughts??