I was able to get them for free in the end.

.- thanks   1) on the  1st mtg  refinance proposal at 4.1%  -  sounds like they are  offering you the  higher note  rate  so they can  absorb  some of the closing costs .....make sure you get a loan estimate and  review the details about them picking up all costs  ( titel / escrow / recording /  credit  etc ...)    2)  also  check the  index / margin and  caps   on the new  loan  offer   and  compare these to the  present loan  details  ...if you  keep this loan past the   rate/ payment  adjustment  period - you want to make sure  you  are aware of  how the ARM  can  change   3) the offer  to  do  " free  "  refinances in the  future  is  no  big deal  beacuse  any lender  can offer this  via  a higher rate  to  absorb  all costs 

I'd be happy to provide more insight - feel free to reach out!

(owe $15,000) very low interestLive at parents rent free- $0 monthfurniture credit card- $2400/$6000 $150 a month. (0% interest)Discover card - $3369/$4000 $150 month ( 0% interest) Navy fed card- $2,700/$11,000 Navy fed card - $13,000/$16,000Around 5 other credit cards which have no balance on them.Assets:I own a 2014 BMW 550i which is worth around $15,000. 

Feel free to reach out if you want some suggestions!

Its free and they have screening portion and lease agreements

Some are free, some are paid entrance.Are you thinking of buying when you hit the ground here, or leasing?

or you can jump on Pace Morby's free facebook and talk to all those folks who swear they do this .. but it is the blind leading the blind not sure how much actually happens..Also your a prime target for fake lenders IE scammers and Crooks who will tell you they can do it your all approved we just need 500.0o or 1000.00 up front to get to the next level. you pay it they try to bleed you for as much as they can and then ghost you and your out your money.

I understand this will vary from person to person and could be a debate so feel free to PM me if you have some thoughts.

The town now has it assessed for $1.1M which he fought the whole way through the process as he is a lawyer and knows the system and can do it himself for free and has gotten no tax relief.