Also, i'd recommend going to a local lender that you trust rather than some random lender doing a marketing campaign by mail.
I also get all those refinance offers but am very skeptical. Personally. I don't trust any of those letters - they are just pounding the pavement to get business. Just because you get a letter doesn't mean you qualify for a refinance.
If you do decide to refinance, I encourage you to work with a local mortgage broker in your community who has a good reputation. Ask your friends, colleagues, neighbors and any local Realtors you know for a good recommendation. Consult with 2-3 mortgage brokers to compare programs and costs.
There is still a lot of dishonesty in the mortgage industry so I am encouraging you to use somebody with a local reputation.
All the best!
Use a reputable lender that you can trust. I would be happy to connect you with lenders that I know and trust. Contact me if you want a referral.
The decision to refinance or not depends on the numbers. How long are you going to stay at your current place? What is your current rate? How much will it cost you to refinance? What are the savings?
Talk with a reputable mortgage person locally and they should be able to help you figure out if it makes sense for you or not