No Points No Fees (NPNF) Refinance / Zero Closing Costs Mortgage

When looking to refinance your mortgage, you can choose to look for lenders that offer no points no fees refinancing. The lender will pay all of your non-recurring closing costs, such as appraisal fees, broker fees, title insurance, escrow costs, recording expenses, etc. For a NPNF refinance, lenders will charge you a slightly higher rate than a traditional no points mortgage.