mortgage refinance no closing costs

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How To: Refinance Your Mortgage Without Paying Closing Costs
Sep 22, 2011 . Mortgage Banker Alex Stenback explains the No-Cost refinance, with . you can a) refinance to 4% without paying closing costs, or b) refinance .
http://www.behindthemortgage.com/2011/09/how-to-refinance-your-mortgage-without-paying-closing-costs.html