u/Efficient-Bed-8063

I have 2 separate questions,

I'm at a current 6.25% mortgage closed march 2025, with how rates currently look i'm looking at around a 5.6% mortgage if i refinanced today, is that even really worth the hassle?
This kinda goes with question one, but i just got 100% VA rating and believe I am entitled to a tax exemption in the state of GA, my local county however told me I am not eligible until next year because my VA rating is marked as Jan 29th of this year. Does this sound correct? That would save me roughly $390 towards escrow a month.

Both of these things combined would be a nice chunk of change back into my pocket, and I couldn't find the answer anywhere else so why not reddit!

I was told to come here to see if my card held any value! I think it may be a common misprint due to pokemon lack of quality, just wanted to check!