Again, keep in mind that what we intend to achieve is to to drop the interest rates, so that you can pay off the debt sooner. Calculate the lowest possible rate using rates widget and take advantage of the full potential in lowering the mortgage monthly cost, and to compare your existing loan to the new one, meaning you can determine the break-even point that is being offered by the new loan provider.
Find time to search for the best loan provider that can help you get the best refinance option or can provide discount points and who can explain further the origination charges, such as title and appraisal. Its a lot of work, the analysis and comparison so better get started learning basic mortgage debt management to end up on well-informed decision. Goodluck!