Rethink the target before the tactic. Pinning the refinance to a number like 3% could mean waiting indefinitely while you keep covering that shortfall every month. Nobody can promise where rates go, and a bar set at a historic low may simply never get hit. Rates also don't have to fall anywhere near that level to help you. A far more modest improvement can shrink the monthly gap you're covering, and opportunities come and go well above the number people fixate on. Waiting for perfect is how you sail right past good enough. Two moves: - Set a realistic target, meaning the rate at which a refinance genuinely improves your situation, and get on a rate watch or strike-price list so you're alerted the moment it hits. That takes the guesswork and the daily rate-checking off your plate. - Keep the extra payments in perspective. If you're comfortably able to make them, you're buying down your balance, which is never wasted. Just don't let waiting for 3% be the whole plan. If you'd like help setting a target that actually moves the needle on your VA loan, that's a quick piece of the free Roadmap conversation.