https://themortgagereports.com/74024/cost-to-refinance-a-mortgage
The process involves paying refinance closing costs, which average between 2% and 5% of the loan amount. The good news is that refinance closing costs are ...

https://www.discover.com/home-loans/articles/refinance-mortgage-no-closing-costs/
A mortgage refinance with Discover Home Loans comes with no closing costs. That means no application fees, no origination fees, no appraisal fees, and no cash ...

https://assurancemortgage.com/mortgage-refinancing-be-aware-of-closing-costs/
There really is no way to completely avoid closing costs during a mortgage refinance, however, there are some common ways to avoid paying them upfront.