How do lender get paid..how much?
David,Ususally, the borrower does not pay anything and the fee to the originator is paid by the lender. The lender does not add anything, they make money off of the interest that you pay every month.Michael Pinter

i HAVE ABOUT 85% EQUITY IS REFI POSSIBLE?
Yes, it is possible if your credit is okay and you show sufficient income.