If the lender that issued the original loan you still have the loan in its portfolio, might be able to waive certain fees loan solution to their discretion, as it will maintain its entire loan in the history (of evaluation report credit, etc.). The loan has been sold to secondary market (Fannie Mae, Freddie Mac), there is little flexibility for your lender to waive the fees to their own judgement, and all the benefits of refinancing with the current lender will be lost. You can still choose to refinance with your lender, but there will be less profit potential.

Another thing, even if your current lender still holds your loan, it may not be willing to give it a refinancing and rationalize any refinancing with a new lender can get a better loan benefits.

However, what still can do regardless of whether your lender holds your loan or not shop for the best possible budget and refinance dispute with your lender, if you want to give a test with them.