http://mortgagerefinancingatlowrate.blogspot.com/
The lender/broker can roll in your closing cost into the loan or do a no fee loan. No closing cost mean higher rate.
Yes, check out the hud.gov website. They should have links to your state and you can look for different loans and grants.
Most of the closing costs can be rolled in to the new mortgage. You may have to come up with a few upfront dollars, but just tell your lender to roll in as much as they can.
Did you purchase the home using your VA certificate? If so, you should have had a decent interest rate to make refinancing unnecessary. Unless, you're refinancing to get money out.
Check with your current lender. They might be able to save you some closing costs. Also look at www.va.gov It'll redirect you to a loan section that is worth reading.
Yes on top of what has been told about gov websites, if you haven't used your VA loan assistance that you can get thru the VA you also have that to help you.
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