Rate-and-term questions should start with the reason.
A rate-and-term refinance is usually reviewed when the goal is a lower payment, a different term, a different structure, or a cleaner long-term plan without taking cash out.
Goal
Clarify what needs to improve
Review whether the focus is monthly payment, total interest, loan term, or another structural change.
Break-even
Compare cost against timing
Closing costs and savings only make sense when viewed against how long you expect to keep the loan.
Qualification
Confirm the real file
Income, property value, credit, and current loan details still need full review before a refinance is confirmed.