Hello, Is There Any Way to Lower My PMI Insurance Without Refinancing? ?

refinancing

Hello, I have an interest rate of 6.5% and got a excellent faith estimate for a refinance at 5%. It looks excellent but I really don’t want to pay all the closing costs again. A huge difference though is the PMI on the GFE is only $94 and I pay $160 now. I do not have any equity in my home. Can I somehow lower my PMI without refinancing my mortgage?

What Fees and Charges Are Incurred During Home Loan Process ?

home loan

I am looking out for a home loan and wanted to know as what all fees,charges are expected as a buyer in the whole process.

when a lender gives me a Excellent Faith estimate and gives me all the fees and closing costs , what fees or charges can I negotiate ?

Are there any charges or fees which lender can lower, which is in his authority to lower the fees ?