Why not go with a no cost loan? This is a refinance with no closing costs. The interest rate comes with a lender credit that is used to cover the closing costs. All your monthly savings are a profit from the beginning. A great way to refinance in Georgia is a no cost loan. Imagine saving $100, $200 or $300 a month and paying nothing. No one does a no cost loan better than Fernbank Mortgage of Atlanta, Georgia.