The document that you see to the right is a Good Faith Estimate. This is the document that outlines everything that goes into the costs associated with your home mortage loan. You will learn about each item associated with this document. Click here to see a sample good faith estimate.

Did you know that most people just sign this sheet without even asking for more information?

Closing Costs Free Tip #1

75% Of The Fee's Listed On The Good Faith Estimate Are Negotiable

To find out which fees are negotiable and to get all the secrets to saving more money on your loan that your broker doesn't want you to know click here.

Closing Costs Free Tip #2

Zero Closing Cost Loans End Up Costing You More Money In The Long Run

To find out how zero closing cost loans work and to get all the secrets to saving more money on your loan that your broker doesn't want you to know click here.

Maryland, Florida, New York.

Breakdown of Average Closing Costs (Not all will apply to each loan)
Closing Costs	Typical Charge	Description	Can We Help?
Discount Points	Up to 4 point equals 4% of the total loan amount.	These are fees lenders demand upfront in exchange for a lower rate, with each point equaling 1% of the mortgage value. These fees are generally tax -deductible.
Origination Fee	Up to 1.5% of the total loan amount	The loan origination fee is charged by the originating lender or broker. often misused and confused with "points."
Application fee	Up to $900	Most lenders will charge an application fee.
Credit check	Up to $100	Only in rare circumstances will a lender waive the fee for a credit check.
Attorney's fee	Up to $1,500*	Fees could be even higher in urban areas. In some regions of the country, it's more common to hire a title agent.
Lender's attorney fee	Up to $750*	If you make some noise, the lending officer may drop this fee.
Title search	Up to $1,000	A title search is done to make sure there aren't any unpaid mortgages or tax liens on the property.
Title insurance	Up to $2500*	Even if the title search comes up clean, a lender will often require insurance to guarantee that the title is clean.
Appraisal fee	Up to $700	Your lender will most likely want a statement of your property's value from an independent appraiser.
Inspections	Up to $350	Some lenders may require that your property is also surveyed, pest 100, termites 100, mold 250 which could cost another $200.
Local fees (recording fees)	Up to $250	This fee will vary greatly by region.
Documentation preparation	Up to $700	Technically, this covers the preparation of the final legal papers, but it's really just a junk fee.
Flood Certification	Up to $80	Fee to determine whether or not your property is located in a federally designated flood zone.
Mortgage Broker Fee	Up to 1.5%	This is an independent service fee charged by your mortgage  lender to monitor property tax payments.
Escrow Waiver Fee	Up to .25%
AND UP TO 15 OTHER VARIOUS FEES

Don't get stuck paying all these fees!

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