Whats the best rate out there for refinancing my house?

Blake
Are the refinancing fees due at the time of closing or do banks typically allow you to roll them into the loan.

Beverlee
It depends on things like your credit score, loan to value, purpose of the loan(cash out or rate and term refi) and type of loan FHA/VA or conventional.If you have the right score and ltv you can get as low as 4.375% on a conventional 30 year fixed.Yes if you have enough equity you will roll your closing costs into the new loan and skip 1-2 months payments.

Felton
Most banks will let you roll the closing costs into the loan. You have to have the equity available to do it tho. If you have given an application fee, then this amt should show as a credit against the final closing costs on signing day.