You can refi with Aimloan.com and they offer you a rebate back, last I checked on a loan up to $697,500 the rebate was almost 2K and closing costs were a little over 2K. So the closing costs aren’t a problem. I closed the loan with them and they are excellent with the best rates I’ve seen. I went with them over Countrywide and my mortgage broker who was trying to use Wells Fargo.