Mortgage Refinance

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Hello, I am thinking in refinance my mortgage. The other day I got a advertisement in the mail of a company willing to refinance my mortgage for a lower interest rate, no closing fees, NO FEES AT ALL. Is that even possible? I don't have the name of the company right now. I looked up on the internet the other day and it had good and bad reviews, I have not call them yet. I also have a PMI on my mortgage and I was wondering if I refinance, I could get rid of the PMI. I have this mortgage for 2 years already. If I refinance with this new interest rate and without the PMI I will be saving about $200 in my mortgage per month, but I will be starting from 0 and the 2 years I have already paid won't count. Please advise.