Here are several tips to help you avoid overpaying for your new mortgage when refinancing. There are a number of options available to yoRefinance Mortgage Closing Costs: What to Expect at Closing When Refinancing a Mortgage Loan Posted on August 11th, 2008 in Mortgage Loans Credit Refinancing your mortgage can be a costly endeavor for any homeowner that neglects to research lender fees and closing costs. Closing costs are a fact of life; overpaying at the closing table doesnt have to be. Fortunately though, broker's fees, like lender fees, are negotiable. So be prepared to practice you negotiating skills so you can best the best mortgage rate.