you've provided far too little information for anyone to give you a reasonable answer. however, assuming you're talking about refinance of a primary residence, you'd be looking at rates in the vicinity of 5% - maybe lower. that ought to reduce your payment sufficiently to make it worthwhile to refinance.
I agree with that right it's a pretty safe bet that a refinance is going to benefit you. Especially if you intend to stay in the home for another 2+ years
