This paper proposes a user-centric access point selection scheme to minimize the number of unnecessary reconfigurations of cognitive terminal. In this scheme, number of terminal reconfigurations is defined based on the dwell-time of terminal which is estimated from user's mobility and coverage area of the access point (AP). Each terminal selects one AP from a candidate list that is generated based on user's preferences. Information needed for the selection scheme is obtained from both networkside and terminal-side entities. Four different algorithms are investigated in order to find the best combination of dwelltime and other parameter such as load of APs, to minimize the number of reconfigurations and to achieve load balancing for Radio Access Networks simultaneously.