Certainly you have heard about the crisis currently going on in the mortgage industry. FreeHomeRefi.com has setup relationships with the top lenders in the country to create a breakthrough program for consumers. We were able to negotiate with lenders to guarantee a no cost refinance mortgage. Lenders are struggling to find clients and we have capitalized on this situation and transferred the benefits to you. FreeHomeRefi.com will help you find the cheapest fixed rate mortgages with no closing costs.How does the refinance process work?Simply fill out our quick and easy refinancing online application for the specific type of mortgage refinance that you are looking for.  Our database is setup to determine which lender will be able to offer you the best rate and program for your current mortgage refinancing needs and that lender will contact you very shortly.  Whether you’re looking for a cash out refinance mortgage to pay off debt or a lower interest rate, there will be no closing costs.  FreeHomeRefi.com can offer you low rate fixed mortgages as well as adjustable rate mortgage loans with our no fees guarantee.What documents will the lender need? The following are basic documents for a borrower that will be verifying income but documents will vary depending on the type of loan you are looking for and your employment status.  Our lenders will work with you to determine what type of loan program will be most beneficial to you for your refinance mortgage.