live in NJ. in 2nd yr of 30 yr FHA 4.75%. want to refi, but cannot afford closing cost. can I roll?I live in Jackson, NJ and in the 2nd yr of our 30 yr FHA at 4.75% and want to refi. We have excellent credit and but cannot afford to foot the closing cost out of pocket. Are there any options out there for an FHA in NJ to refi and include ALL cost to refi? Or should I just stay where I'm at?October 23 2012 - Jackson00YesReport 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.