LOL[/quote]
As flu and HLS have stated, yes, they do exist. I took advantage of it many times. I did one better, I got credit to pay for my property tax and insurance as well. So for a couple years, I did about 2 refi each year. So over that 2 years, each time I refi, I reduced by interest rate AND I didn’t have to pay a dime in property tax or insurance. How’s that for a no cost loan. Or more precisely, they’re paying me to save money.
