BRRRR, Refinance step

[David Straley]

I haven't done a refinance before but from talking to the couple of places I currently have mortgages with, when you refinance you pay all of the mortgage closing costs all over again. That being said, are there good places to refinance with? Or do lending agencies or banks know up front you want to cash-out refinance with them? I'm dealing with a few local banks and they require that the home value is above 120% after rehab of the amount lent to me. The also require 15% down. They do not do a refinance with a cash out option. Can anyone point me in a good direction?