Refinance Scenarios - Zillow Mortgage Advice

I have an existing 30 fixed rate mortgage @ 4.75%.? I put 10% down and bought the Single Premium Upfront Mortgage Insurance (1.42%) with seller credits.? I have $452K left on the Mortgage ($461K original) and my monthly is $2906.

I am now looking to refinance and have been offered a few different scenarios and wanted some help comparing them (all are 30 year fixed and include the single premium mortgage insurance upfront (1.44%):

1.? 3.500% on $460K with $6,448 closing and $2565 monthly
2.? 3.625% on $460K with $3,595 closing and $2597 monthly
3.? 3.750% on $458K with $3,299 closing and $2620 monthly
4.? 3.875% on $456K with $3,593 closing and $2643 monthly

Any thoughts or opinions?? Any help is appreciated.

Source: http://www.zillow.com/advice-thread/Refinance-Scenarios/470276/

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