To re-fi now, or not?

[Lola Og]

Purchased my primary residence in 2018 (30 yr mortgage), and as you all know interest rates have dropped so I am considering refinancing to a 15-yr at a really good rate (1.5 less than my current). However, there is a 50-50 chance that I will have to move next year. And with my HOA fees ($200/month) and given the average rent in my zip code, renting it out is not an option because I will only be breaking even.

Is it worth refinancing if there's a chance I'm selling next year? I would essentially lose my $3300 closing costs if I do. However, if I don't refinance, I will be leaving money on the table for a whole year.

Thoughts?