Unfortunately yes, however there are many lenders that will allow you to roll the closing costs right into the loan. A good idea if you are cash poor and will be in your residence long enough to recoup the expense.
If it is your primary residence you pay tax stamps on the difference between the old mortgage and the new one. For example, if the principal amount goes from $200,000 to $250,000, then you pay on the $50,000 which in Baltimore city would be $500. You also pay the cost of recording the mortgage, and the lien release which is minor compared with tax stamps.
Advance Realty Timonium
Oh and you can get title insurance that is even cheaper than a reissue rate if you know the right title company.
Contact me if you need more info.