refinance home mortgage & pay low closing costs

if, by paying low closing costs, you mean you want the best rate you can get without paying points, then you'd likely have to settle for a rate at 5.5% or higher.

there are always going to be costs - many of them unavoidable. the only fees you can count on being dropped are things like processing and underwriting fees (maybe). points are going to be there regardless of your negotiating skills. and that's only fair - loan officers deserve to make a living too.

There are a ton of factors in determining exactly what you qualify for. I would def. recommend refinancing now. Call around to brokers, or shop on the web. You may find someone willing to work for next to nothing.

sad, but true, ashley.

I hear peolple all the time say they paid no closing costs.......Is this possible

yes it is possible but like they said above you will have to take a higher rate so the lender will pay those costs for you.

are you trying to refinance?