What's the best/easiest way to refinance?

[Honest Abe]

I'm currently paying a 4.5% 30-year mortgage.. after crunching the numbers I realized we'd be far better off paying a 15-yr mortgage which is currently looking like 2.6-2.7% interest. Can anyone dispense some advice or personal anecdotes? Looking to get this done as painlessly as possible..

[grantmeaname]

I've got nothing for personal anecdotes, since I'm 20, but the big mortgage refi thread is over here in the Investor Alley and I learned a good deal just by reading through it. It's less than a page (like 40 posts).