Do you have any serious direct lender to get cash out refinancing loan at 5%, that don't require upfront fee?

Sure, there should be options for you. I've never heard of any type of traditional lender asking that much upfront and then rejecting the loan and keeping the fee. The most you should pay upfront is less than $500 to cover the required appraisal. http://pdumouchel@primelending.com or 843-343-6383. The rate you pay will depend on the term of the loan, your credit, whether it is your primary residence and other factors.

We can offer cash out for under 5%. We don't require any upfront fees. We also don't charge any lender or underwriting fees. You can apply right on our website. www.MortgagesforAmerica.org - Let me know if you have any questions. P: 888-320-7888 Ken Burrows

We can go as low as 3.625% No upfront fees. You can apply on http://www.florida-mortgage-lenders.com/ ; Thank you Thomas Martin

Ken sounds like a good source.

I've been doing mortgage lending for 22-years. I've never heard of anyone requiring $2000 - $5000 in upfront fees. Maybe a credit report (under $25) and an appraisal (under $500). I suggest you contact a few different mortgage brokers in FL for more opinions.

If your saying 5% interest rate, then you should have no problem finding a lender.. and any lender that charges more than $500 upfront is not legit.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

I agree with Joe 100% - there should never be upfront fees in the $2000-5000 on a residential mortgage. I have seen this done with commercial properties but never on a standard residential mortgage loan.