Refi good or bad

Now: 3200 P&I monthly 6.46 apr 30 year

Refi: 3009 p&I monthly 5.788 Apr 30 year 5200 closing.

Va IRRRL

Good idea?

submitted by /u/WeekendSuspicious486
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source https://www.reddit.com/r/RealEstate/comments/1ayof4k/refi_good_or_bad/