Should I refinance my home from 6.5% to 5%?

I have a VA loan and almost made 12 payments. I’m being offered a lower interest but at the cost of two points. The total closing costs will be $ 8,815 including the two points, the 1% origination fee, prepaid escrow, etc. All this CAN be rolled over into my mortgage. Should I refinance? If so should I make a down payment for the closing costs? Or let it be rolled into the mortgage? Please help me!
I have practically no equity at all in the home. I’m looking to do a VA Streamline Refinance if anyone knows about that…
Does anyone know a good place for refinancing va loans?

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