Refinancing 30 yr fixed mortgage

I’m exploring refinance options. My current loan amount is $530,000 with a 7.375% interest rate on a 30-year fixed mortgage (purchased in November 2023). I’ve checked with a few lenders, and they’re offering a 6.625% rate for a 29-year fixed loan with no refinance costs, thanks to a lender credit of up to $4,000. My score -791

Is this a good deal, or is there a chance to secure an even better rate this week without any costs? Please refer any mortgage lenders if you know, who can offer better rates than this with no costs refinance. Thank-you!

I have been told Escrow balance will be refunded directly to me ( because i want to pay by myself) and the principal amount will be same as the original balance (534000$ was original loan amount and after this 15 months.. its $530000 now).

Can i know more about the costs associated with refinance.. like transfer/ recording fees etc? Im in NH. And also any insights where i should be clear & careful while taking such credits from lenders.