Any way to REFI for free?

Do you work for free? Honest question because why on earth would you expect someone else to?

Contact your current lender and ask about fast track refis. Those are usually the most cost effective.

I think they can roll the costs into the new mortgage?

No one you know owns the company and will do your loan for free. Get that out of your head. A significant portion of your closing costs are tax deductible which can offset the cost. Between it and the first 24-36 months being almost entirely interest payments, there are even more tax benefits there.

On top of all of that you’ll save money if you can reduce your rate enough from where you are to where you may be able to put your rate at.

Whining about not getting something that can save you tens of thousands over a decade without paying the cost of a shitty jalopy of a used car tells me you’re either being unreasonable about your expectations about the costs associated with the process...or you’re simply uninformed about all of the ways the initial up front costs are offset and/or leveraged to your financial benefit.

Which tells me you don’t have a good relationship with a savvy mortgage broker. Which should tell you that you need to change that if you’re serious about this.