Help! Should I refinance my home?

I need some good help here, I refinanced my home 2 years ago and have a 30 yr. fixed mortgage at 5%, now I can qualify for a 4% 30 yr. loan which brings down the payment $ 105.00 a month. Should I do it??? Thank You for helping us! Oh yes and the closing costs are approx. $ 2500 total (va loan for 150,000).

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