hi, i have a question regard re-financing house loan, here my condition:

Current Principal Balance : 90K
Current Mortgage % rate : 4% (company loan)

With current bank interest rate at ~4.25 percent should i consider refinancing, as i try the refinancing calculator at http://www.ykconsultancy.com/refinance.htm, it say good to do it..?

Pls help to advice.

Thx