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The only flex in the interest rate is based on your credit history, the higher your rating the better the rate you can get. I personally do not pay any sort of closing cost or points on a loan, that is for sucker or people with bad credit. It just another way to extract extra fees out of you. If you working through a broker they sometimes have these points and fees (that is how they make their money, so also get a kick back from the bank on the interest you pay to them) so you might be able to negotiate them away, but it depends on the broker and what they maybe willing to do for you.
Obviously some fee you have to pay like title transfer and such, but again if you shop around you can sometime get the bank to pay those as well. I refinance last years and did not pay a single fee, the bank cover it all.
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