REfi - closing costs question

[katb]

How long would you expect to take to recapture the closing costs to make it worth it? I have an offer to save $270 a month, but it would take 19 months to recapture the closing costs. I just want to know if I should shop around more.

I know the standard rule, is you pay it off while in your house, but I don't think i would do it if it was something insane, like 5 or 7 years.

So, if you have refinanced lately, how long did it take you to recapture the closing costs or how long would you be willing to pay?
I doubt I can find a no closing cost as I am going into an FHA loan into a conventional loan so I am getting rid of mortgage insurance

[njohnson1972]

Mine was more like 10 months. So it was definitely worth it for me. We also got to drop PMI, so I am sure that helped.