I refinanced my home through a very prominent bank, which I have my current mortgage with. It was a VA cash out refinance . 3 days after closing I wondered where.
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So, I started with a mortgage payment of 1K per month, then increased credit card payments while doing all the improvements in the house, and then got a car loan, so in mid 2007 I needed to refinance, and out of the refinancing I paid the credit ... negotiator and get the offer accepted. Within 3 weeks you could have your home closed. In essence, your lender will pay the commission to the listing agent and the buyer's agent. YOU will need to net ZERO dollars at closing. ...