Have you researched mortgage refinancing? Can I take advantage of your work?

I’m thinking of refinancing, but haven’t done any of the legwork yet. My home purchase was a 80–15-5 (80% on a 30 year fixed rate, 15% on a 15 year fixed, and the rest as down payment). The last time I looked into refinancing, I gave it up because I didn’t have the cash for what seemed like pretty steep financing costs (points). Have you found any good deals on fixed rate mortgages with low up front costs, 15 or 30 year?