On average, how much are HARP closing costs?

There is no "On Average".. Type loan scenario, since no two loans are the same.. so my best advice is to contact a local mortgage broker and get a few quotes on your specific loan scenario.. It's takes all the guess work out of it.. And it doesn't cost you anything to inquire.. 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

Every loan scenario is different but call a LOCAL lender or two and get some quotes. Just the appraisal, if you even need one, can change the price. A LOCAL lender will be of MUCH more help than any of the National Lenders and much, much cheaper.

There are trade-offs and some of it is your choice. Every lender sets their own internal costs and structures their loans differently but they are generally pretty close (generally within $2-300 but there are a LOT of variables). You will always have the cost of a title company (or real estate attorney) and new mortgage title insurance and if you know a firm that will give you a deal that lowers the cost. Often on refinances the borrower wants their out of pocket costs to be mimimal and add little to no additional balance to what they currently owe. Other customers want a lower rate and are willing to pay to get it. The cost is there whether the lender shows it or not, usually if there is no specific cost mentioned they are included in the rate you are quoted. Some lenders are currently very backlogged on refinaces and may have increased their costs or rates to slow down the applications, this is generally more true of larger lenders that service thier own loans. I work for a national lender but most of my business in in SC in the area where I live but would be happy to give you an estimate. Click my user name.

More information is needed. Loan to value, credit score, etc can change the rate and closing costs. Your best bet is to find a local mortgage professional. They know the market in Auburn and will be able to give you some good advise.