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When he refinances, he receive a statement from the bank (required by law) that lists all of the costs involved it is probably worth it to split those costs just to get your name off the mortgage but he can't just make up. If that was the case he could say that the real estate agent wants a 25% commission. The bank also do an appraisal of the value, do what the others said and contact an independent appraiser for a valuation. Refi appraisals are not as accurate as an independent appraisal. Go with a number in the middle if you think that is accurate. Your key is to put in the agreement "actual closing costs are to be equally split" Most attorneys won't go with "imaginary closing costs are to be equally split", a judge probably wouldn't sign off on it either then go with the average of the two new smoke friends
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