It would not matter all is based on rates, closing costs.
FYI - they state no charge to refi HOWEVER the entire expense is rolled into the loan. If your intent stay in the home for more than 3 years COULD be worth the expense refi. HOWEVER if you are going move within 2 years not worth expense.
Based on value of home refi can cost be $5K or more.
Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors