Are there lenders who take on a small amount for refi?

Unfortunately, you are the victim of Government oversight. Maybe good, but mostly good. There are caps on the amount of costs that can be charged on a loan and the cap is a percentage of the loan amount. On small loans, there is not enough room to cover the basics on the loan, leaving little room for the lender to actually make a profit. It looks like your best option would be to reach out to your local bank/credit union and see if you could qualify for a HELOC. This product generally has fewer costs than a typical mortgage and therefore isn't impacted by the High Cost rules. Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Certified Mortgage Advisor and Certified by The National Association of Mortgage Professionals as a Certified Veterans Lending Specialist.NEXA is licensed in all states except MA and NY so give us a call. ~ www.ApplyYes.com 480-889-9000 - OR - 480-695-9300