can save a lot of money on fees and pressure them to absorb other fees. Once you get the best quotes (make sure they are written), use as leverage with your current lender. They may have the best deal. You must create leverage to get the best deal. Once you develop a relationship with a local mortgage broker, it gets hard to use leverage...as it cuts hard into anything they take home.

I once refinanced every six months for two years. Always zero cost to me. It can be done. Don't take no for an answer. The only downsize is the new amortization schedule but paying a few extra bucks in principal negates that.