Delayed financing - which fees paid twice

[Adam Kuszczak]

Hi,

I am thinking of buying property cash (in order to win offers easier) and then immediately cash out refinance. One lender told me it is bad because I will pay fees twice. What would  be the duplicated fees that comes your mind?

Appraisal - I guess no,  because I don't need it with initial cash buy, only with refi

Title - maybe? Initial transfer of title from seller to me and then when refi happens they have to add mortgage to title I guess. Any idea if there is option to avoid duplication?

What else I should consider?

Thanks

Adam