A. Like any other purchases, the best way to refinance your mortgage is to shop around!
You can start from Bankrate.com, on its front page, there is a section on the right for "Compare Rates", you can check the Refinance tab, then enter your zip code below, you will see a list of mortgage refinance offers in your area.
Make sure you let the numbers talk, and don't be easily fooled to believe zero cost refinance is truly zero cost, as it could mean you are paying a higher interest rate, or roll the cost of refinance into your mortgage loan.
Finally, note that the final offer will be dependent upon your credit score, so make sure take time to clean up and improve your credit score before you shop around, and this could take a few months to complete.