Can you refinance your home without paying closing fees?
What company do you know of, if this is possible?
You may not be able to refinance, but some mortgage companies may let you modify your mortgage. I have a mortgage with Navy Federal Credit Union in Vienna, VA. When the interest rates went down, I wanted to change my mortgage interest rate. Since I did not want to change the length of my loan or do a cash out refinance, they allowed me to modify the interest I was charged. All I had to do was sign a paper. There was no fee. I didn't receive the absolute lowest rate in the market, but I still got 3.675% for the remainder of my 15 year mortgage (12 years left).
I think NFCU was able to do this because they do not sell their mortgages and they service all of their loans in house.
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