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If you use the same closing agent as when you purchased, you can ask for discounts. Also your mortgage broker should provide you a cost savings analysis sheet when you’re going through origination. There are also calculators online if you aren’t ready to reach out to a mortgage broker yet. Just refied and our closing costs were expensive due to our escrow just being paid out - our lender required us to replenish it. But overall our rate went down 3% so well worth the upfront investment.