Homeowners/financial types: a question—

Next month, I’ll have owned my home for two years. For the past year, probably, I’ve received approximately 752.9 million requests/offers to refinance my VA loan. 

Now, part of my reticence is due to special things about VA loans, and ignorance of any changes in those special laws & regs in the last two years. Also, now that I finally have the tiniest piece of equity in my home, I’d hate to get a lower rate just to get fees and crap piled on top to bring the loan up above the purchase price/potential value of the home again.

Thoughts? Opinions? Expert advice?