I am trying to refinance and the process is very confusing.I am trying to refinance and am comparing various proposals. Quicken loans originally offered me a $1300 closing cost with no appraisal. I contacted other banks and their closing costs range from $3k to $6k and they need an appraisal done.Why would Quicken take a risk of not appraising the value of the loan?Does anyone know a good lender with low closing costs? The ones I contacted seem to be on the high end. BB&T, Regions bank, BofA, Chase, SuntrustNovember 11 2011 - Round Rock0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.