[white87911]

I thought SO,
Get all the info and post it or email it to me directly and I will tell you my thoughts.
Generally speaking to refi at te same term i.e. 30 years you need to drop 1% for it to be worth our wild.
There is always hidden fees, i.e. appraisal, title, credit, notary, etc. even if you do not write a check you can still pay for it in the long run.