How can I find mortgage lenders with no point, no fee, and no closing costs?

Every single lender in the nation can offer you a loan like that if that is what you want. Just ask then to structure it that way. Of course you know and understand in order to do that, all the lender does is crank your interest rate up to a rate high enough where you pay all those things over time with a higher monthly payment. These no cost options may be good short-term, if you plan on not being in the loan very long, but potentially cost you a lot of extra money over time than you ever saved up front.