re: No cost refi offer

quote:

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No currently w/ Wells Fargo but bank w/ Chase

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From a physical cost of origination, your current mortgage company could refinance without a closing attorney (they already have the security deed).
It is possible that they could do the refinance at a lower rate because they dont need as much of a rebate to cover origination. But that assumes they share a similar pricing model (some lenders rates are not favorable to the market under $150k or $100k).