Refinancing to lower mortgage and..... - Zillow Mortgage Advice

First, I want to say that I am required to only refinance with a list of lenders that the City of SF provides otherwise the City will not approve the subordination agreement (have a 2nd silent loan with them).?

I picked a lender and early on I asked if the appraisal fee could be waived as I refinanced 3X? and it was pretty high on the GFE ($629!).? The most I ever paid was $450 if that.? So - he said I may have to pay this up front but he will reimburse me when closing and said his E-mail will verify that promise.? However, although resistant, I sent him a form to sign that he promised to reimburse me the appraisal fees at closing with his signature.? I'm trying to be cautious and not just take his word for it.?? The closing costs were a bit high also, but as I said, I'm limited as to who I can refinance with.? The loan is good - but if the #s change at closing and I change my mind - will I still be able to get my appraisal fee back if I have to pay up-front to lock in a loan?

Thank you.

Source: http://www.zillow.com/advice-thread/Refinancing-to-lower-mortgage-and/476149/

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