Lots of factors go into that, no way to really say without a credit score and knowing how much you are borrowing, putting down, term of loan, buying down rate, fha vs fannie vs Freddie vs usda etc etc
I just refinanced myself. Cut my rate by over 1 percent, only added 18 months back to the loan since I only bought the house a year ago. Gained $40k in equity and didn't even need an appraisal. Sent my paystub and W2 in on Thursday last week and got the clear to close last night. The perks of the job I suppose. If anyone is interested in doing a refi let me know. Money is cheap these days... Get it before it isn't.