Basics If you are interested in getting a mortgage to buy a property or refinance one you have you will probably end up with several offers from competing lenders.
There are many terms to compare between them.
A basic comparison is how much your closing costs comapre to your total cash taken out from a refinance.
Obviously you are hoping for your closing costs to be a small portion of your cash out.
Your mortgage offer (in the form of a good faith estimate) should contain some or all of the following factors:

• New Loan Amount
• New Loan Note Rate
• Loan Length (Years)
• New Regular Monthly Payment
• New Interest Only Payment
• New Total payments over time
• New Total interest paid over time
• New Loan Total Closing costs
• New Total cashout

Keep in mind that the offers you receive from different lenders are only estimates, not guarantees, of interest rates and closing costs.
You can use this to compare your total closing costs as percentage of your refinance cashout.
This will put the whole deal in perspectibve.
You can figure out if you are paying too much.
One method borrowers use to minimize their closing costs is to accept a higher interest rate.
This is using a "no closing cost option" which usually means trading no closign costs for a higher interest rate.
If getting the maximum cash out is your priority this may be the choice for you.