You've received some good information below regarding using the title insurance & setttlement attorney, but not all of the fees are unavoidable as many have stated.
In Virginia you can refinance with the same company that holds CURRENTLY holds your mortgage and you are exempt from the recordation tax on deeds of trust, mortgages, and supplemental indenures as long as it was paid at the purchase. If you cash out, you will pay the tax on the amount above the original mortgage.
I highly recommend that you call the customer service number for your current lender and see reduced cost refi program as Don mentioned, I know they have one at Wells Fargo that holds my mortgage (but they dictate closing). If your loan has been sold since you took it out, do not use your original lender as the exemption will be disqualified, as is illustrated in a Tax Ruling that I have provided a link to below. The tax is collected at the local level, so you need to check with you muncipality to what is needed for you to get the exemption.
This has the possibility to save you many times what you could receive on re-issue rates or waived fees at the title company, so I would urge you to look into it.
Best of Luck!
Cell 703-474-1260 ~ Office 703-717-6324 ~ Fax 703-839-8283
McEnearney Associates, Inc.
Licensed in Virginia
Below is the link to the Ruling of the Tax Commissioner