Ric's Reference Section

        Financing / Refinancing

        No closing cost loans can be used successfully in either a refinance or a purchase loan.
        These loans will minimize the up front closing costs that you pay, and are generally best
        used in a stable or declining interest rate environment. By carefully using this type of
        strategy, a borrower can continue to replace his home loan without incurring costs or
        increasing the outstanding principal balance of the mortgage. Market forces together
        with low interest rates have driven down the costs associated with obtaining a loan,
        and thus lower interest rates are now available at no closing costs to the borrower.

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