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Advice To Home Buyers When It Comes To Closing Cost
Closing on your new home is an exciting time. You have just received word from your Realtor that your offer has been accepted, the closing date is set and you are pulling together all the final details. The final step is the settlement or closing.   
If not prepared, the settlement statement (ie: good faith estimate), breakdown of the loan cost from the lender can be a real eye opener. You ask yourself, where on earth did all these closing costs come from; and do you really have to pay all these fees?
Regardless of how you negotiated your purchase contract and the structure of your loan with your mortgage professional, it is important to understand the fees associated with your new loan. Some fees represent actual costs to the lender imposed on them by third parties, and are NOT negotiable. As with anything in the home buying process, ask about any fee whose purpose you don't understand. Here are some examples of common non-negotiable fees: 
Credit check fee. The lender has to pay this to verify your credit history. Appraisal fee. A lender must make sure your house is worth the price you're paying. Underwriting and Processing: These are fees charged to the borrower to underwrite ... more

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