you have to play hardball for yourself b/c nobody else will. it would seem that if you have good credit you are the kind of person lenders should be dying to loan money to. shop around, get some numbers and play them off each other. some of those fees can definitely be talked down. at the very least, you shouldnt have to pay a survey fee or flood cert for a refinance, especially if you bought w/in the last few years. you had that stuff done when you bought - nothing will have changed. and what are they "recording"? the county already has you on file. those are the most obvious b.s. fees, imo. ive been making 13 payments a year - from what i understand, you can pay off a 30 year mortgage in 18 years doing that. the amount of interest is insane! you end up paying about 150% when its all said and done.
