Check with your mortgage company, as each mortgage company will have different obligations that you need to fulfill before you can refinance your mortgage. For example, you might not be allowed to be "underwater," or you might have had to make your payments on time for at least 6 months before refinancing.
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One can find information about refinancing costs from government-hosted websites. These websites contain abundant information on refinancing and its costs. In addition, one can ask one's peers for information and get tips on refinancing.
One can find a refinancing calculator at a number of different online resources. One can find a refinancing calculator on websites such as Zillow, Bankrate, and CalcXML.
Someone looking to locate a mortgage refinancing calculator could find one online or at a specialty electronics store. Mortgage refinancing calculators are most easiest to find online.
Anyone seeking tips about refinancing a mortgage can find information at any bank. They have loan officers who can explain all the ins and outs of the refinance process, whether or not it is a good time and the different types of mortgages available.
There are lots of online resources for loan refinancing. The most famous are e-Loan and Lending Tree. Just google for 'online loan refinancing'.