We just refi'd with PenFed. Originally we thought we'd need an appraisal, but it turned out they decided we had enough equity that we didn't need one. On the good faith estimate, the appraisal fee was listed at $300, and was an item that could not be increased by more than 10%. (ie, could have been a max of $330.) The GFE was from July, we closed in September.And we really did have no closing costs. There is a clause that if we refi out of this loan in the next 24 months, we are responsible for the closing costs that PenFed paid (~$275 in our case), but that was the only wrinkle.We're quite happy with them so far.~mary anna
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