Incredible Refinance With No Fees References. When a lender offers you a refinance with no closing costs, they are simply adding the closing costs to your loan amount. But just because there are no upfront costs doesn't mean that your mortgage lender foots the bill for free.
Mortgage refinancing isn’t that different from getting a mortgage in the first place. Remortgaging also allows you to make use of equity you have built up in your home. Instead, you'll finance the closing costs — with interest — as part of your new loan.
