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Have the loan officer do a breakeven analysis for you!!
Basically, you take the closing costs(not prepaids) and divide that by the monthly savings. you will come up with a number like 36 or 48 and that would be the number of months it would take to recoup costs with your savings.
with no equity, it will be hard to refinance unless you are willing to come out of pocket for closing costs. the appraisal will be the key. but, since most people arent experiencing appreciation of value.... you may be wasting your money on an appraisal.