jludlow: Most lenders can offer cost and no-cost refinance options. No-cost options will have a slightly higher interest rate - which may still be lower than what you have. Don't be quick to dismiss the 'cost" option, as it may be cheaper in the long run for you. Ask your lender to show you both options, and do the break even analysis, and do what makes sense for you. In fact, you should ALWAYS do a "break even" analysis to make sure you're not just chasing a low interest rate that won't save you any money.

You should revisit this now that rates are at all time lows. Give me a call. Gregorio Denny --WeFixRates.Com--

Your lender should be able to offer a lender credit for much of the closing costs. If the total costs is 3% of the loan amount. The lender has a way to using a lender credit to cover at least 2% of the costs. You would be responsible for 1%.

I can offer you a no or very low closing cost solution for your refinance. Contact me if you are interested. If your credit is acceptable and full doc loan.www.LeoLends.com 1-866-334-5626 Leo@LeoLends.com