This is a tough question to answer without additional information regarding you loan amount, credit, longevity in the home, etc, however, I would bet my career on the fact that you will not see 30YR rates fall to 2 percent. A 2 percent MBS coupon has never traded on a 30 term, and it is unlikely any investor will want to hold paper for 30 years that is well below average inflation levels. Thus, without investors at this price point lenders will not be able to issue rates that low.
Right now, if I were you I would look to find a lender whom is able to cover you closing costs on a VA deal around 3.5 to 3.75. They are out there.
Glad to help if you haven’t gotten this done yet. You are correct, unless you are in a hugely high closing cost state, should be no issue doing this with no costs rolled into loan, and perhaps even enough lender credit to cover some or all of your escrow account. Not sure what state you’re in, but we can do loans in all states.