Mortgage shopping

Oh, my. Closing costs are the work of the devil.

We know how much we’re putting down on our new house (::fingers crossed::), but closing costs seem to vary widely from lender to lender. There are fees for things I would never even have thought of!

We want a mortgage with little or no points. But that means the interest rate will likely be higher. Specifically, I want a breakdown of all fees. Yahoo has a chart of standard closing costs, which gives a ballpark figure, but I need a good-faith estimate.

I have calls in to a few mortgage consultants at local banks, but have yet to hear back from anyone.

I feel like a hamster spinning helpless in a wheel right now, unable to get anywhere. I want action, now!

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