called my current mortgage holder, citimortgage yesterday
started a VA streamline ReFi @ 3.875%, one full point less than my current rate, which i refi'ed summer of 2009
dude said at their current volumes, should only take 30-40 days to complete, VA streamline doesn't require appraisal or extra paperwork, basically just a credit check and processing time to make sure my VA eligibility is authentic
it will knock about $130 off my monthly payments, which due to property tax/insurance increases will put me back approximately at my starting payments when we bought the house in 2004