mortgage/ real estate question

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with the rates dropping as they are, they keep mentioning this might be a good time to refinance homes. If there are any sajhaites that know a bit about refinancing, please share your words of wisdom. In a nutshell, what types of costs does a refinancing bring, and at what point spread( current mortgage rate vs refinanced rate) does it make financial sense? I read an article suggesting not to even consider refinancing unless the spread was 100bps (1%), but I am sure that is only scratching the tip of the iceberg.

And please respect the sanctityof this thread and only post sincere replies. Many thanks!

Jesus Christ

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jhyalicha, here are some words of wisdom from Jesus Christ. The insect that you are, you don't deserve a house from the Lord for you are better off buzzing around the human feces. You selfish possum show no thankfulness to the almighty Lord for all that you have instead this arrogant fly wants to display his wealth by refinancing the home instead of helping to rebuild a church or bless the poor with some charity. My Lord please burn this fool's house for this creature won't repent his sins.

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