If you did, the benefit of refinancing to save on total financed cost is lost. Typical fees for refinancing include a lien-holder fee, which LendingTree.com estimates at around $5-$10, and state re-registration fees, which can range from $5 to $75.
Desert is the driest biome. Our center of interest is the Sonoran Desert. The other three North American deserts-the Mohave, Chihuahuan, and Great Basin, also occur in Arizona, the only state to have all four.
Three of these deserts -- the Chihuahuan, the Sonoran and the Mojave -- are called hot deserts, because of their high temperatures during the long summer and because the evolutionary affinities of their plant life are largely with the subtropical plant communities to the south.