No Closing Cost Refinancing


Call: (800) 466-3733

Lower Your Interest Rate & Monthly House Payment

Our innovative programs allow you to lower your interest rate and monthly house payment without having to pay any closing costs. We can typically eliminate discount points, origination fees, surveys and title fees. We also transfer your tax & insurance escrow account so you are not required to pay escrow money at closing. This way every dollar you save on your monthly house payment is actually a dollar in your pocket.

Since 1985, James B. Nutter & Company has successfully closed over 100,000 No Cost loans. As interest rates decline, there are no limits to how many times you can take advantage of our No Cost programs. In fact, thousands of our borrowers have refinanced through these programs more than once. We want to ensure that the best rate is under your roof.

  • Check out our Rates link.
  • Let's get your online application started NOW!

To speak with a non-commission loan officer call:

1-800-875-REFI (1-800-875-7334)



Most mortgage companies quote low rates and charge high fees and closing costs because they know most people shop for the lowest rate. But, their customers end up paying MUCH more money due to inflated points, junk fees, and closing costs.


Our commitment, as it's been since we started in 1951, is to give you the best mortgage possible–without adding in junk fees. Most mortgage lenders charge hundreds, and sometimes thousands of dollars for services that cost them little or nothing.We don't charge administrative fees or broker fees to pad our pockets. This philosophy distinguishes us from our competitors. That's why our customers come to us. Call James B. Nutter & Company NOW.

Next Steps – Select Your Loan Type

  • FHA

    FHA Home Mortgage Loans feature low down payment requirements, allow lower income ratio versus the loan value and generous underwriting guidelines. These loans are a favorite for first time home buyers and refinancing.

  • Conventional

    Conventional Home Loans follow established standards but have fewer qualifying guidelines than FHA and VA mortgages. These loans have simplified documentation for loan approvals that can speed things along. Choose from a variety of Fixed Conforming Mortgages or Adjustable Rate Mortgages.

  • VA

    VA Loan Refinance or VA Streamline Refinance are available to borrowers who have U.S. military service. Refinancing options offer flexible credit requirements and no closing costs following IRRRL – Interest Rate Reduction Refinancing Loan guidelines.

  • USDA Loans

    USDA Loans help borrowers seeking loans for homes in a rural area without any down payment.

  • HARP 2.0 Conventional Refinance

    HARP 2.0 Conventional Refinance offers a means for those keeping up with their mortgage payments yet owe more than their home is valued to refinance because it is not appraisal based.