Basically i need to refinance my house to get my X-girlfriends name off of the loan. I've owned it for a year so far and i would have needed to re-fi anyway. I don't have a whole lot of money to refinance, i've already gotten a quote for like $4k just to refinance but that is CRAZY out of my range. I always see these commercials that say they can refi for like $300 or so. I could do that but want advice before i move forward. Anyone have experience that can give me advice?