Our rates and fees are guaranteed to be the lowest. (Guarantee - click here). Many closing costs are paid to third parties which we have no control over. You can usually finance all or most of your closing costs or just ask us about our no closing costs mortgage.

Typical costs and fees are as follows :

Loan points - paid to lender to get a lower interest rate.

Appraisal fee - paid directly to appraiser in advance of appraisal ($300-$400 for residential)

Underwriting fee & appraisal review - paid to lender

Processing fee - paid to processor ($300 - $600 average)

Legal fees include escrow fee, title search, attorney fee, title insurance paid to insurance company or attorney ($1,000 - $1,500 apx depending on value of property & attorney)

Taxes & insurance, prepaid interest, reserves - paid to city or town, lender, insurance company.

Broker fee - fee to broker for originating the loan (1/2 % or negotiable)

Pest inspection, flood certification, survey - paid to various third parties.

All costs and fees are paid at the closing except your appraisal, pest inspection (if needed), survey (if needed) which are paid to the respective third parties.*

* Other fees may apply to your individual mortgage circumstance. For residential property only.