should I refinance my home loan or apply the money to the principal?

Hi – I had opened on a new 30 year fixed mortgage in late February of this year, at a rate of 4.750%. Re-fi rates are currently at approximately 4.290%. My credit score is approximately 800. One financial vendor quoted a little of $ 4,000 in different fees / title insurance / interest charges (not including escrow, which would be a wash) to re-fi. I am wondering if I am better off just throwing the $ 4k to the principal of the loan. I plan to stay at the house for 10 years or more. Thoughts?

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