Where can one get a no cost home refinance loan?

One can look on the internet for no cost home refinance loans. There are some places on the internet where one could refinance just as one would at a bank. Other places on the internet can guide a person to different banks or credit unions with the best loan rates. Otherwise, a person can get a no cost home refinance loan at some banks or credit unions. It all depends on the economy, how the institution is doing, as well as other factors.