Hi all. We have a condo we bought 8 years ago. We put 20% down, and the interest rate was 5.875%. Our current monthly mortgage is $1327. Now that rates are so much lower, we are considering refinancing. But we are also thinking of moving either late 2011 or sometime in 2012 (looking at school districts). I'm wondering if it's worth it to pay the upfront costs to go through the process if we are moving so soon. Plus I don't even know who to call to get it done. Thoughts?