Refi is a bad call IMO looking at your balance, if you were in the 200k-300k+ well then you might be talking. Remember you pay the majority of your interest in the first 5 years, to lower your rate 1-2 points with that small of a balance is not worth it.
Here is a great schedule
Loan amortization schedule - Templates - Office.com this is made by microsoft, not a bank.
put your original loan terms into it with the starting date. The payment shown is interest only.
Next go to todays date and see how much interest you have paid so far, how much goes to principal, how much goes towards interest.
Next run a new amortization schedule on todays refi if you did do this, make sure to roll in the closing fees ect and see the true cost of the loan,
the best part about mortgage loans is numbers dont lie. if there is a savings it will show itself.
ALSO your keyword I read was "condo" is it agency approved ? FHA? FNME? appraisal are more expensive, rates are usually higher ect.