Looking for a refinance with zero out of pocket expenses. 4 years out of bankruptcy.

More info needed, but assuming you meet all eligibility requirements, and your a full 4 years post BK discharge date, then it's possible.. but if you want to know for sure, you should contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Your refinance will depend upon several factors. Aside from the BK, current credit scores, any late payments within the past 12 months on the mortgage etc. Now, if you are in a FHA or VA backed mortgage, you can streamline, which removes some of the obstacles from the typical refinance process, but some still remain. With that said, search for a local mortgage broker/professional with a sound reputation and great customer service. Speak with people you may know who have recently purchased or refinanced a home. Their experience will speak volumes. Also, shop around. Rates vary from lender to lender!!All the best, Scott.

You should be able to accomplish that, you would have to work with a mortgage loan originator to check on your options.

You can roll in the closing costs, but will have to pay for the appraisal and/or inspection. It is possible you maybe able to streamline, depending on what type is your current mortgage. I am located in Missouri.