 TITLE: Can I Refinance My Mortgage With No Closing Costs? CONTENT: Alternative Ways to Reduce Mortgage Refinance Fees\n--------------------------------------------------\nGetting a no-closing-cost loan isn't the only way to cut down on mortgage refinance fees, which vary from state to state and from lender to lender. Here are three other possibilities:\n1.  Improve your credit score. A higher credit score might enable you to obtain more favorable lending terms than someone with a lower credit score. This could include the ability to qualify for reduced fees, such as a lower loan origination fee. The origination fee usually ranges from 0.5% to 1.5% of the loan principal. You can get a free credit score through Experian to see where it stands.\n2.  Negotiate with the lender to reduce or eliminate refinance fees. Don't be afraid to ask for breaks on the upfront fees (closing costs), or on ongoing fees like those for making a late payment or paying off your loan early. Where should you begin? Start with your current lender. They might be eager to slash or waive fees in order to keep you as a customer.\n3.  Shop around for the best refinance deals from different lenders. Aside from fees, consider each lender's interest rates and reputation—and remember to tell your current mortgage lender that you're shopping around. END