Question #1: Before you actually start seeking quotes on your Refinancing Home Mortgage loan, you need to estimate the number of years or months you expect to pay on your new Mortgage Loan before you refinance again or sell your home? The answer to this question will provide the first part of the equation to determine what type of loan might be best for you. The 3 basic types of financing I'm referring to are A: No Cost Closing ( lender pays your 3rd party costs) B: No Cost Closing (lender adds your closing costs into the loan amount and amortizes them) ...