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When To Refinance Resources:

Learn the Basics: When to Refinance
You can still refinance if you don't have much equity -- up to 90 percent loan-to-value (LTV) if To evaluate your options, use our Refinance Calculator.
http://www.century21.com/learn/content.aspx?refstr=6.7.1.3
Learn When to Refinance Your Mortgage at Quicken Loans
Learn when to refinance your mortgage at Quicken Loans: refinance a home, online refinancing, refinancing mortgage, refinance adjustable-rate mortgages to
http://www.quickenloans.com/refinance/articles/refinance_reasons.html
When to Refinance, Mortgage Product Assessment
When to refinance and information on mortgage product assessments. Read this article and make the right refinancing choices.
http://www.homefair.com/Articles/Finance/RefinancingMakingtheRightChoices.asp
Use the MIP to decide when to refinance
How do you decide when it is right to refinance? How to decide when is the best time to Refinance or Lock in a Mortgage Rate.
http://www.fintrend.com/ftf/Articles/Mortgage/MIP_Refinance.asp
When to Refinance Your Home Mortgage
In the "old days" lenders used to have very high closing costs so you would only refinance your home loan if the rate went down 2% or so.
http://www.suite101.com/article.cfm/investing/72931
Refinancing at DoItYourself.com
The articles in the Refinance section of DoItYourself.com will give you the tools you need to make smart refinancing decisions that will help put more money
http://www.doityourself.com/scat/refinance