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I refinanced in '03. My mortgage company was the best deal since they waived a lot of costs that a new mortgage company would require. They called it a streamlined refi, or something like that.
I think rolling the cost of refinancing depends on how long you plan to stay in your house.
I've heard James B. Nutter is a really good local mortgage company. They service all the loans they originate (or they did last time I looked).
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