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I am thinking about refinancing and would like to know a little bit more about the process.

I will probably go with the same lender.

Here are my questions:
1. Will the closing costs be as high as the ones for purchasing?
2. Do I need a lawyer?
3. Will there be a face-to-face closing or will this be done by mail, fax, and e-mail?
4. What kind of documentation will I need?
5. What kind of funds will I have to have in my bank account?

Many thanks for answers!