How do I find a mortgage refinance without closing cost fees?

Look for local Lender / Broker on Lender411 on the Find a Lender tab. Advise the Lender / Broker that you want a $0.00 cost loan, interest rate may be higher than there normal posted rates but they will issue you a credit at closing to cover ALL FEE's

No such thing as a "No Cost" refi... title companies, attorney's, appraisers, even your mortgage guy.. none of these people work for free.. if you do a refi, your the one paying.. period.. you either pay by coming to the table with cash for your costs, or you can add the costs to your financing, or you choose a higher rate then what's available so that the lender can give you a credit to pay the costs, but in any of these scenarios, it's you who's paying.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

There will be closing cost on any refinance you do. You can get around having to pay out of pocket for those closing cost, including an appraisal. It is all how the loan is structured. Feel free to email me or call to discuss. I'm licensed in Oregon.

Putting it bluntly... you can't. There are always costs and it just depends on how they are paid. It is common for lenders to absorb most or all of the closing costs by raising the interest rate. Therefore you are paying the fees over time with a higher monthly payment. This is often beneficial if you think you will sell the home in a year or two. It also is a viable option if there isn't enough equity to wrap costs into the loan. Have your loan officer analyze these options depending on how long you intend to own the home. Best of luck to you!

Hi, I am a local Mortgage Advisor here in Portland. My office is in Lake Oswego and I can present you with options with and without closing costs. Typically all refinance transactions will have fees to include an appraisal which these days will be placed on a credit card authorization form and not rolled into the loan. With rates low and my house fees under 1500 I should still be able to get you a pretty good rate and cover most if not all of the remaining costs. Please call me at your earliest convenience to discuss.

Totally impossable to do so. There are real cost to closing a loan and the bank will not pay for them. What will happen is you will pay a higher rate to cover those cost for the term of the loan. Look for a lender who has low fees. No Fees Is a RED FLAG !

A no cost option simply means the leander is going to increase your rate so that their increased commission can be used to pay your costs.

Yes, the rate is raised to cover your fees.

There will be closing costs. There are 3 ways to pay for them. You can choose to pay by increasing the loan amount, You can choose to pay out of pocket by writing a check at closing (this is the least popular choice) You can choose to have the lender pay for them. This choice will increase your interest rate typically by .25 The best choice for you will depent on your situation. There is an easy formula to figure this out. I'm here to help Victor NavarroMortgage BankerNMLS # 335881Mortgage Banking Division25391 Commercentre Drive, Ste. 250Lake Forest, CA 92630Toll Free Phone: 1-877-319-8345 X: 236Direct Line 1-949-380-6836E-Fax: 1-949-288-6268 For your peace of mind regarding the loan process, you can take a look at what our customers are saying about us at the link below.http://www.trustlink.org/Reviews/Crossline-Capital-Inc-206072655Better Business Bureau "A' Rating and accreditation http://www.la.bbb.org/business-reviews/Mortgage-Services/Crossline-Capital-Inc-in-Irvine-CA-100089963 Licensing Information:http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3507 - Cross Line Capital's National Mortgage Licensing System & Registry http://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/335881 - My Personal licensing informationYou can visit us at. www.crosslinecapital.comAgain I appreciate the opportunity to earn your business and look forward to working with you. Please call me directly or send me an email if you have any questions.