The simple version
Fees create an initial loss. A lower rate can recover that loss over time. Moving or refinancing again before the recovery month usually means the refinance was not financially worthwhile.
Why payment savings alone are not enough
Refinancing into a new 30-year loan can lower a payment by stretching repayment. Compare the balance remaining at your horizon as well as payments made; that is what the calculator's net financial position does.
Run the refinance break-even calculator with your actual payoff balance and loan estimate.