Re-finance of Investment PropertyI am looking to re-finance a rental home. The home was purchased in 2003 at a 6% rate. I also have a Home Equity Loan with a small balance of $2000. I want to lower my monthly payments on the mortgage, but want to avoid closing costs. I am eligible for HARP. A few lenders are offering me rates in the low 4's, but they will only roll the closing costs into the loan balance. I would prefer to go with a slightly higher rate and have a no-cost re-finance. One of the lenders told me they couldn't do it because of a high interest rate loan law. Any advice?June 07 2012 - Staten Island00YesReport 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.