Trying to figure out the numbers on our refinanced mortgage

Given that the rates are low, we're exploring the possiblity of refinancing our mortgage, and while there are plenty of Truth In Lending laws, I have to say that it's pretty darn difficult to get a straight answer from these companies about all the costs actually involved in the change.

Worse, they like to roll any costs into the actual mortgage itself, so it's almost impossible to know how much $$ it'll cost to switch, versus keeping the same mortgage.

My hope is that lowering our interest rate 1% on about $200,000 will be worth it, and it certainly seems like it from the calculations we've done, but it's certainly not as clear and simple as it should be.

Meanwhile, I have an overwhelming stack of forms and disclosures on my desk that only a lawyer or accountant could love, and somehow I need to get sufficiently motivated to read through it all, figure it all out, and decide whether to proceed...