These can include closing costs in your old mortgage and the costs to open the new mortgage.
Martin Lukac represents Rate Empire mortgage rates and refinance rates market.

Your current provider will fight for your business if he realizes that it is possible that you will go to someone else.

When you are comfortable with minor changes to your mortgage payment. Most often this is due to not having to worry about their basic survival needs and have a generous steady income.
Refinance your existing loan and get a little more for renovation spending your new place. Florida home refinancing experts will advise you to have a purchase loans so that you can lock in low interest rates when rates take a dip.

But be aware that it is more expensive to take cash out, compared to obtaining a mortgage refinance.