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Refinance home loan: Costs discovered Many individuals who refinance home loan can be surprised that as they go through the process, they discovered the many different costs associated with it. One reason why is because they tend to forget that to refinance home loan is like reliving your first loan application. Refinance Home Loan Costs You might not be aware of this fact, but when you are dealing with home loan refinancing costs, you are obliged to pay at least three percent of the remaining balance of the principal. This figure might sound like its a lot, however, it actually is even less that what you paid for when you first acquired your home loan its just like experiencing the loan application again. Indeed there are many loan fees that you will be required to pay. Such fees actually vary from state to state. There are also differences when dealing from one lender to another. Do you know that some of the home loan fees are just 15 to 20 dollars in one area, while in a different location, they can be as high as 100 dollars? The most common refinance home loan fees are the following: