Mortgage was sold to a different lender now offering apr reduction

I got a VA Loan for 316k almost 3 years ago at 6.25% apr I pay like 2648 a month. Current principal is 309k💀 My lender sold it to another lender and the New lender says I get a .5 percent deduction from on time payments. I put it into the mortgage calculator and I seems at the end of the loan I would acquire 9 k in interest if I went with the .5 percent deduction. Thing is my taxes and insurance went up so this would offset the price keeping it the same. If you’re planning to sell in the short term (think 5 years max) would you take the reduction or would you keep the same rate and pay off more principal since the loan is further into the years? First time home owner so I’m debating on what to do. I will eventually move for family reasons so I also have to think about that not sure what’s best. Any insight would be appreciated!