sometimes no refi is an option.

You need to do some homework yourself.

1)How long do you stay there?

2)Your break even time. For $6000 cost, how long do you get those money back(by the money you saved for the refi)?

3)Try to get a broker with no origination fees(or no cost). I know it's hard to find this kind of broker in mid-west states. But banks will have lowers fees if you charges.