How can you refinance your house with no fees? Or what fees do you have to pay no matter what?

There are costs associated with doing any loan: recording, title, overnight, usually lender and appraisal costs. The costs can be paid in several ways: by the borrower bringing them to closing, by the lender including them in the new loan size, or by the lender paying them for the borrower. The last option allows borrowers to obtain new mortgages (and get lower rate, cash out, or whatever their goal) without tieing up their equity or cash on the costs. Yes, lender paid costs will influence the rate of a loan by 1/8% to ¼% or so, depending on rate sheet, lender, and loan program, but in my experience saving a borrower 3K in closing costs for a payment perhaps $25 higher per month is a great option.