Mortgage refinance worth the effort?

My current Mortgage rate is 5.025 % and current rates are as low as 3.875% looks tempting but I'm concerned that points and closing fees will make the refinancing about as expensive if not more so than leaving the loan as is. My question is how high are these fees typically and at what point will it save me $... show more My current Mortgage rate is 5.025 % and current rates are as low as 3.875% looks tempting but I'm concerned that points and closing fees will make the refinancing about as expensive if not more so than leaving the loan as is. My question is how high are these fees typically and at what point will it save me $ to refinance?
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