Are refinance rules different from initial mortgages?

Hi RE,

I’m in central Texas looking at refinancing my mortgage. I found one company that omitted the survey from the closing costs and when I asked they said their title company didn’t require it. Is this normal? My initial loan had a survey required, and another refi loan I found wanted one as well. Im confused why they would be able to forgo it?

Thanks for any advice in advance. I am not sure I can take the loan officers word on this one. Considering the contradict.

Happy new year.

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