How to Refinance Your Home Without Paying the Closing Costs Presents an entire process of home refinancing, giving a step-by-step illustration of how to design the strategy and execute it by riding the rate down without paying a penny. By Jimmy P. Chen

Top 30 counties--refinance markets. An article from: Mortgage Banking Excerpt. © Reprinted by permission. All rights reserved. Top 30 Counties--Refinance Markets First-Quarter 2005, Nationwide / Sort Order: Number of Loans Rank County Count Dollar Amount 1 LOS ANGELES, CA 135,490 $30,879,951,615 2 COOK, IL 67,083 $10,689,309,169 3 MARICOPA, AZ 65,414 $8,469,813,165 4 SAN DIEGO, CA 52,260 $12,401,733,576 5 ORANGE, CA 49,039 $12,282,267,967 6 RIVERSIDE, CA 43,462 $8,407,670,016

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