True no cost mortgage refinance

[American]

Are there options that anyone knows of for a true no cost mortgage refi? I have a 30 year currently and want to refi to a 15 year conventional.

 

Thanks!

[Gamma Knives]

I am not aware of such. Many companies try to make you think it is no cost by rolling the fees into the principle. Presumably the objective with the refinance is get a lower rate so you have to calculate if the total cost of the loan will be less with the refinance (including fees) compared to just accelerating the payments on your current loan to pay it off in 15 years.

[Donnie]

Unlikely to exist.  Mortgage originators need to eat too.