Second, typically the lenders closing costs are just extra profits and commissions for the loan officer. They say they are points and they buy your rate down, but it just is not true. Why should you pay extra when they are already making thousands of dollars off the interest of your loan?
Last, you need to understand that what fees you have to pay and just cannot get around. You are going to have to pay a title search fee, appraisal fee, and a few other processing fees, but these are all under $500 each and if they are not you are getting ripped off. You should never pay points, a lender fee, or an origination fee. These are all terms for lender profits that you are paying directly into their pocket.
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