Confused about refinance numbers

[Teho Kim]

I was cold called by my lender to reduce my interest rate from 6.25% to 5.625%. But I am confused by the loan estimate that I was given, and the "other costs" of the loan. Mortgage officer says these are costs I'd have to pay regardless of the loan or not. But wouldn't it be better to pay those off month by month instead of wrapping it into a 30 year loan? 

I'm having a hard time wrapping my head around this and if it makes financial sense to refinance. For reference, I am about a year into the original loan.