Ask what the new loan changes: the term, the balance, the monthly payment, or the cash you would receive. Ask what it costs to do it. Ask how long you expect to keep the house.
A lower payment is not automatically a better loan. A shorter term can raise the payment and still be what you want. The Tokar Team will put those tradeoffs in writing on an application.
This article does not estimate savings, APR, or break-even time.