The cost of refinance houses might be varied, but here is a general guide to total expenditure you would be spending:

Application Fee for refinance houses $50 to $300 Appraisal Fee $125 to $450 Survey Costs $100 to $350 Mortgage Insurance 0.5% to 1.0% Points for refinance houses 1% to 3% Homeowner's Hazard Insurance $250 to $650 Home Inspection Fees $165 to $375 Loan Origination Fees 1% of loan Lender's Attorney's Review Fees $50 to $250 Title Search and Title Insurance $400 to $650

Refinance houses can be a good idea for homeowners who:

1) Want to draw on the equity built up in their house to get cash for a major purchase or for their children's education. 2) Convert an adjustable rate mortgage to a fixed rate mortgage. 3) Consolidate a more than one mortgages into one lower-rate mortgage. 4) Want to build up equity more quickly by converting to a loan with a shorter term. 5) Want to get out of a high interest rate loan to take advantage of lower rates. This is a good idea only if you intend to stay in the house long enough to make the additional fees worthwhile for refinance houses. 6) To reduce the term of your mortgage by taking advantage of lower rate mortgage. 7) Lower their cost of debt by paying off your non-tax-deductible debt, such as credit cards or car loans, to tax-deductible mortgage debt.

Also, here is list of guides that can be helpful to you while considering refinance houses. Ask your lender or real estate agent for the following:

1) A Consumers Guide to Mortgage Settlement Costs
2) A Consumer's Guide to Mortgage Lock-Ins for refinance houses.
3) Consumer Handbook on Adjustable Rate Mortgages