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YES! There is such a thing as a no cost refinance loan.  No hidden fees or charges are added to your loan balance.

 It confuses many people. Call me for an explanation of how this works. Ask all the questions you'd like.

 You start saving money from the day the loan closes, so even if you plan on selling in 1 year, you will save money with a lower interest rate.  There is no figuring to do about how long it will take to recover the closing costs of a refinance.

 Rates are amazing, even with no cost.  There is also always an option to pay up front and get an even lower rate.

 Everyone's situation is different. Call me to discuss your situation!