FHA is probably the best way of refinancing your home if you should qualify. Of course a conventional loan is also excellent. As for the zero cost refinancing--I am not sure you will be able to find one. Most direct lenders will tell you that they charge nothing but check the fine print.
If I can be of any assistance, I am a loan officer in Fresno but visit Salinas once or twice per month to visit family members.
You can reach me at email@example.com or (559) 977-7238. Frank Mandujano
Serving Maryland, Virginia and D.C