Refinancing a Mortgage [View all]

Since the rates have dropped, I decided to check into refinancing. It would lower my payment and save me interest overall, but I can’t believe the costs. I think I have to give every white collar criminal in the city money to get this done. Why on Earth do I need an appraiser to come over? I took out the Mortgage only 1.5 years ago. How is it fine to have a mortgage for 13.5 more years but I have to get reappraised to have one for 15 more years? I have almost 30% of it paid off so I don’t see how this is necessary. Then I have to pay over $600 for a note from Tempico or something(I don’t have the breakdown in front of me). The bank fees were $1500 and it was an additional $2100 for the rest of the assorted criminals. And this is a bank that I actually trust! What has anyone else done for refinancing?