Few lenders provide no-closing-cost refinancing options. Finding lenders who provide no closing fee mortgages is therefore challenging. To find out if any banks or mortgage companies in your area offer no closing cost refinances, you must conduct extensive research. According to statistics, a few institutions openly advertise a no-closing-cost refinance program. In actuality, one of the major public loan experts that is found promoting a specific no closing cost refinance product is U.S. Bank.