 TITLE: Can I Refinance My Mortgage With No Closing Costs? CONTENT: When Might a No-Closing-Cost Refinance Make Sense?\n--------------------------------------------------\nWhile a no-closing cost refinance does come with some serious drawbacks, this kind of loan might make sense if you:\n*   Don't have enough money in the bank to pay the closing costs upfront.\n*   Don't want to touch the money in your emergency fund to pay the closing costs upfront.\n*   Do plan to sell your home within the next five years.\n*   Do plan to pay off the refinance loan within the next five years.\n*   Do want to renovate or repair your home. Securing a no-cost-refinance might be a smarter move, enabling you to hang on to cash for the project and avoid taking out a home equity loan, which could be a costlier option. END