is it wise to refinance a 30 year fixed rate mortgage with 6.25% interest right now?

I am about a year and a half in. I had put down 20% I know the feds just cut rates. I probably will only be there another 4-5 yrs. Would it be worth it to refinance? my house was 4,000 and i still owe 1,000 primacy- what did you mean by make sure fico [...] http://bit.ly/lq0uHW