I've never refinanced before. Generally speaking, is the cost of refinancing a mortgage usually more, less, or the same as getting a regular mortgage for purchasing a house as primary resident?
The variables are.
1. How has you credit changed since your original purchase?
2. What are the regulations specific to you State in regards to Re-financing?
3. What type of new loan...rate and term or cash-out?
4. Who's doing the new loan?
Check with your current servicer and see what they can do to orignate better terms and rates then shop around. There's many repudiable companies that will flat fee the cost of originating your new loan. But be careful cause there are just as many companies that believe they should make as much as they can get away with.