Refinancing not always the best way to lower debt

Refinancing not always the best way to lower debt
Q: My wife and I have a nice house in a great neighborhood in Atlanta. It is valued at more than $400,000.
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Are there always closing costs when you Refinance a mortgage?

I’d like to know when it makes sense to refinance a 1st mortgage? What interest rate difference is worthwhile? And if you refi with same bank, can you negotiate the closing costs? Maybe say you will take your mortgage elsewhere?