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07/26/2021 - Best Mortgage Rates from Big & Reputable Lenders and SD Reviews (30year @ 2.75%, 15year @ 2.25% etc)
July 4, 2020 at
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Deal Details
Last Edited by shahhere July 26, 2021 at 06:35 AM
Details on how to understand the Mortgage basics and information that I understand for your learning can be accessed on this post (Click this hyperlink to go to the post); If you are new to this process and have questions this is a Must Read before asking question on the forum!
Reviving my over a decade old thread from SD and FW as the rates have gotten competitive. This thread is a SD community thread to compare and post best rates received along with their lender experience for a quick compare and estimation from a starting point.
Please note that rates will vary on quite a few factors and just because one person has a rate will not guarantee you will receive the same rate but simply use this as a guide and negotiation tactic.
All below rates are based on assumptions of certain LTV, DTI, & Excellent Credit Scores:
30 Year Fixed best rates (Assuming Good Credit & 20% down, low LTV, low DTI, etc etc):
Shahhere
Old Thread - https://slickdeals.net/e/1223863-03-06-2009-best-mortgage-rates-from-big-reputable-lenders-30year-5-15year-5-arm-s-etc
Reviving my over a decade old thread from SD and FW as the rates have gotten competitive. This thread is a SD community thread to compare and post best rates received along with their lender experience for a quick compare and estimation from a starting point.
Please note that rates will vary on quite a few factors and just because one person has a rate will not guarantee you will receive the same rate but simply use this as a guide and negotiation tactic.
All below rates are based on assumptions of certain LTV, DTI, & Excellent Credit Scores:
30 Year Fixed best rates (Assuming Good Credit & 20% down, low LTV, low DTI, etc etc):
All listed lenders are here because I shopped them and have encountered competitive pricing and not because I get any sort of a kickback....use this as a gauge for the latest but note that things can change week to week, day to day and even hour to hour:
07/14/2021 2.875% Better.com- Will consider Lender Match to beat Competitors and combine with Amex cashback (Click here for additional Forum thread details). Amex's "Digital Assist" Team @ 800-297-7500
07/14/2021 2.875% LoanDepot.com - Is competitive but works better if you have another offer for them. My LO Luke Dean
[email protected] 949-652-4521
07/14/2021 BSMFunding (David Pressel) - Call to get the latest rates (no published online). Very competitive rates; get everything in writing via email!
https://bsmfunding.mymortgage-onl...essel.html
David Pressel (NMLS: 562175)- Branch Manager - Phone: 908-208-2036
[email protected]
07/14/2021 2.5% LoanCabin [loancabin.com] - Most Competitive but refinance times have grow to almost 6 months for many people so proceed with caution as recent reviews indicate normal 1 month closing. Generally do not charge for big Lender Fees (A+B on LE) as they are under $100 in most cases; esp if appraisal is waived for your scenario.30 Year Fixed Jumbo Best Rates (Assuming Good Credit & 20% down):
07/14/2021 3% LenderFi - Competitive but might be slow and not work on beating other lender rates.
TBD15 year Fixed:
07/14/2021 2.0 % Better.com; matches Bankrate rates for themselves.Title Company Comparisions:
07/04/2020 2.5% NIH Credit Union with Lender Credit
RadianTitleDirect.com - OP has used them for almost a decade with getting best rates (closed after Covid, Lender must submit order as consumer side is closed).Alphabetical list of other lenders (some could be non-proven without direct member experiences posted here):
ALTTitle.com
https://www.valerotitle.com/ - Texas only.
- AimLoan - Will provide LE without hard pull if credit is frozen https://www.aimloan.com/
- Amerisave - will give you scores from all 3 bureaus with just a soft pull https://www.amerisave.com/
- Better.com https://better.com/
- BoxHomeLoans https://www.boxhomeloan
s.com/ - Close Your Own Loan https://www.closeyourow
nloan.com/...sults.aspx - Colonial Mort http://www.colonialmor
t.com/ - HighTechLending http://www.hightechlen
ding.co/Default.aspx - Interactive Mortgage https://interactivemort
gage.com/ Eric from IM is super rude so good luck dealing with this guy! - LenderFi https://www.lenderfi.com [lenderfi.com]if the link wont work try this backend link: https://app.lenderfi.com/app/sign...r/lenderfi
- Loan Cabin https://www.loancabin.c
om/ - Loan Depot https://www.loandepot.c
om/ - LoanLock https://www.loanlock.co
m/ - NavyFederal CU https://www.navyfederal
.org/ - NIH credit union (Delware, District of Columbia, Maryland, North Carolina, Pennsylvania, Virginia, West Virginia) https://www.nihfcu.org/
- Northpointe Bank https://www.northpointe
.com/ - Owning.com (Operates only in CA) https://owning.com/
- Pentagon Federal CU https://www.penfed.org/
- Provident Funding - will give LE without locking rate https://www.provident.c
om/ - RatePlus (California) https://www.rateplus.co
m/ - Travis Credit Union (12 North Cal Counties only) https://www.traviscu.or
g/ Eligibility traviscu.org - United wholesale mortgages https://www.uwm.com/
- Watermark Home Loans https://www.watermarkho
meloans.com/ - West Coast Mortgage Associates (The loan broker is in So.Cal. Debbie Morgan) https://wcmtg.com/
Shahhere
Old Thread - https://slickdeals.net/e/1223863-03-06-2009-best-mortgage-rates-from-big-reputable-lenders-30year-5-15year-5-arm-s-etc
Community Wiki
Last Edited by RiversofWisdom
August 18, 2021
at
03:12 PM
This post can be edited by most users to provide up-to-date information about developments of this thread based on user responses, and user findings. Feel free to add, change or remove information shown here as it becomes available. This includes new coupons, rebates, ideas, thread summary, and similar items.
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Good site for daily mortgage news. Subscribe to their daily mortgage rate news to learn about their predictions. Also take a look at the rest of their site.
http://www.mortgagenew
Potential Lenders - Mentioned in Thread
*Please add to this list and add locality if applicable*
Discount lenders who DO NOT accept fully documented in tax returns self-employment income:
Owning.com
BoxHomeLoans
Lower.com
Discount Lenders that DO accept fully documented in tax returns self-employment income:
Sebonic
Caliber
Sage
Title Company Shopping
AltTitle.com
mytitlegenius.com (formerly entitle direct)
TO AVOID - Settlement LTD (local Pittsburgh run away from them - high cost, very bad service, lot of delays)
Feel Free to Add Sections for Each Lender - MeAPhool
Loan Cabin - DetailsWARNING. DO NOT GO WITH LOAN CABIN. TRUST ME.
I would have lost the home if i was trying to buy a house.
I just had a normal refi and it took then 127 days to close. out of the 27 emails i sent, they responded to 3. I even had to call (complain) their main office 2 times to get a response to any emails. they screwed the closing paperwork as well.
Loan Cabin does not charge lender fees. Actually all of this is in their FAQ but of course nobody reads anything and wants everything spoon fed.
This means A+B (reference the link above in the wiki regarding Loan Estimate) in the Loan Estimate should be 0 (as long as your appraisal is waived).
You will be responsible for Title Cost (of course you can shop that to your heart's delight)
You will be responsible for Recording Fee in your county
You will be responsible for Escrows (if you so choose OR if you are close to Homeowner's OR Property Tax payment - though you can negotiate and show evidence to get it waived. Most lender's will waive it if you are choosing not to escrow and you can show proof that you paid the upcoming Property Tax or Homeowner's Insurance)
You will be responsible for Prepaid Interest (this isn't a cost. If you didn't refinance, you'd be paying the interest at your current mortgage rate which I assume would be higher).
Lender Credit - If this covers A+B+C+E then you have a no-cost refinance. If you have a surplus aside from A+B+C+E, then technically you made money on your refinance.
If you apply and do no hear back for 3 days, then on the 3rd business day, reach out to [email protected]. They will usually help get a response on your application within a day.
If the information in this WIKI does not cover your questions, then please ask. We will answer and update WIKI accordingly.
Thanks - MeAPhool
Once a Thread Wiki is added to a thread, "Create Wiki" button will disappear. If you would like to learn more about Thread Wiki feature, click here.
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Quote
from MeAPhool
I think a lot of people get confused with regards to "no closing cost". Specifically I think that is with regards to A+B+C (as referenced in this post by volcomssj48 - https://slickdeals.net/forums/showpost.php?p=
:
As per volcomssj48, this is a good place to go for a basic understanding of the LE (Loan Estimate) that should be provided to you by each lender once you give all of your information: https://www.consumerfin I'm in NJ so I can't really shop Title Insurance much as it's the cost is regulated by the state, however in other states, you can really cut down some of the costs in section "C". |
http://www.mortgagenew
Potential Lenders - Mentioned in Thread
*Please add to this list and add locality if applicable*
- Loan Cabin https://www.loancabin.c
om/ - Better.com https://better.com/
- Interactive Mortgage https://interactivemortgage.com/
- LenderFi https://www.lenderfi.co
m/ - owning.com (Operates only in CA) https://owning.com/
- NIH credit union (Delware, District of Columbia, Maryland, North Carolina, Pennsylvania, Virginia, West Virginia) https://www.nihfcu.org/
- Loan Depot https://www.loandepot.c
om/ - Travis Credit Union (12 North Cal Counties only) https://www.traviscu.or
g/ Eligibility [traviscu.org] - Pentagon Federal CU https://www.penfed.org/
- Interactive Mortgage https://interactivemort
gage.com/ - NavyFederal CU https://www.navyfederal
.org/ - United wholesale mortgages https://www.uwm.com/
- BoxHomeLoans https://www.boxhomeloan
s.com/ - LoanLock https://www.loanlock.co
m/ - West Coast Mortgage Associates (The loan broker is in So.Cal. Debbie Morgan) https://wcmtg.com/
- RatePlus (California) https://www.rateplus.co
m/ - Northpointe Bank https://www.northpointe
.com/ - HighTechLending https://hightechlending
.mortgagewebcen ter.com/ - Close Your Own Loan https://www.closeyourow
nloan.com/...sults.aspx - AimLoan - will give LE without hard pull if credit is frozen https://www.aimloan.com/
- Amerisave - will give you scores from all 3 bureaus with just a soft pull
https://www.amerisave.com/ - Provident - will give LE without locking rate https://www.provident.c
om/ Best Credit Back with 60% LTV or better. - Watermark Home Loans https://www.watermarkho
meloans.com/ Skip these guys. They are being rude to Slickdealers. In one occasion they have explicitly said they don't want to do business with people from Slickdeals. They also have an approach where they give you the best rate initially and just raise it more each time you ask. - Colonial Mort http://www.colonialmor
t.com/ - Annie Mac https://www.annie-mac.com/ Licensed in these states https://www.annie-mac.com/page/licensed-states/
- Rate Rabbit https://www.raterabbit.
com/ Licensed in MA and others [raterabbit.com]
Discount lenders who DO NOT accept fully documented in tax returns self-employment income:
Owning.com
BoxHomeLoans
Lower.com
Discount Lenders that DO accept fully documented in tax returns self-employment income:
Sebonic
Caliber
Sage
Title Company Shopping
AltTitle.com
mytitlegenius.com (formerly entitle direct)
TO AVOID - Settlement LTD (local Pittsburgh run away from them - high cost, very bad service, lot of delays)
Feel Free to Add Sections for Each Lender - MeAPhool
Loan Cabin - DetailsWARNING. DO NOT GO WITH LOAN CABIN. TRUST ME.
I would have lost the home if i was trying to buy a house.
I just had a normal refi and it took then 127 days to close. out of the 27 emails i sent, they responded to 3. I even had to call (complain) their main office 2 times to get a response to any emails. they screwed the closing paperwork as well.
Loan Cabin does not charge lender fees. Actually all of this is in their FAQ but of course nobody reads anything and wants everything spoon fed.
This means A+B (reference the link above in the wiki regarding Loan Estimate) in the Loan Estimate should be 0 (as long as your appraisal is waived).
You will be responsible for Title Cost (of course you can shop that to your heart's delight)
You will be responsible for Recording Fee in your county
You will be responsible for Escrows (if you so choose OR if you are close to Homeowner's OR Property Tax payment - though you can negotiate and show evidence to get it waived. Most lender's will waive it if you are choosing not to escrow and you can show proof that you paid the upcoming Property Tax or Homeowner's Insurance)
You will be responsible for Prepaid Interest (this isn't a cost. If you didn't refinance, you'd be paying the interest at your current mortgage rate which I assume would be higher).
Lender Credit - If this covers A+B+C+E then you have a no-cost refinance. If you have a surplus aside from A+B+C+E, then technically you made money on your refinance.
If you apply and do no hear back for 3 days, then on the 3rd business day, reach out to [email protected]. They will usually help get a response on your application within a day.
If the information in this WIKI does not cover your questions, then please ask. We will answer and update WIKI accordingly.
Thanks - MeAPhool
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Quote
from arouncoumar
For those needing clarity on LC closing costs, I was on the same boat. See what they charge here https://www.dropbox.com/s/r30ecea...t.png
:
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Quote
from PeterLegend
Here is a photo of my loan estimate from Loan Cabin, my lender credits should be closer to 3K based on my initial conversations with Bob so i'm following up with him on that.
:
I do see title insurance in my estimate. I reached out to Owning but I didn't quality for the no cost refinance option since my LTV was 73%, it has to be 50% or lower when I spoke to them. |
5,912 Comments
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Whats the best way to ask better? Do you have to submit an official application first?
Typically they want the LE to be dated within 1 business day. If it's been longer than that, they may still consider it though.
Note - they do a soft credit pull at time of application. Hard pull comes if and when you decide to lock.
Another lender that is good about beating competing LEs is LoanDepot. Their LOs are hit or miss, but I found a really good one who was mentioned in this thread.
Just locked the following with better and was wondering if it's a good rate: 30 years conventional loan (~$300K), 2.75%.
A+B+C=$3000 (but they said they would refund the appraisal fee)
Lender credit: $3300
Did you have Better price match another lender? Or did you go with Better's standard rates. If the latter, you can definitely do better.
Did you have Better price match another lender? Or did you go with Better's standard rates. If the latter, you can definitely do better.
Shahhere is from PA, so he might have a more informed view.
I forgot to ask about your LTV; that might be another driving factor.
Typically they want the LE to be dated within 1 business day. If it's been longer than that, they may still consider it though.
Note - they do a soft credit pull at time of application. Hard pull comes if and when you decide to lock.
Another lender that is good about beating competing LEs is LoanDepot. Their LOs are hit or miss, but I found a really good one who was mentioned in this thread.
Shahhere is from PA, so he might have a more informed view.
I forgot to ask about your LTV; that might be another driving factor.
I guess I'm surprised that you're not able to get 2.625% at no cost, because your situation is pretty much perfect, except that your loan size is a little bit low.
You might want to see if you can give Dave Pressel at Bayshore a call to get a quote - just to double check that you've got a good deal.
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I guess I'm surprised that you're not able to get 2.625% at no cost, because your situation is pretty much perfect, except that your loan size is a little bit low.
You might want to see if you can give Dave Pressel at Bayshore a call to get a quote - just to double check that you've got a good deal.
Just locked the following with better and was wondering if it's a good rate: 30 years conventional loan (~$300K), 2.75%.
A+B+C=$3000 (but they said they would refund the appraisal fee)
Lender credit: $3300
I'd say 2.5% no cost 30 yrs would be a better term..
I am in PA so the first thing I can tell you is that you should be using Radian as they will be the cheapest option and they work with Better so that alone will save you several hundred as your quoted for other Title companies should be around $2400 whereas Radian should be around $1700 the most based on your loan amount. If you need other Title Company in PA let me know as I have a contact that is really really good.
That said the 2.75% should get your something closer to no cost but with the Adverse Market Fee (AMF) I think most lenders are pricing out a lot higher so saying a 2.5% is what you should get isn't accurate without doing work at best
Based on your loan amount though >$300,000 and assuming you are in Royersford, PA; LoanCabin is showing a 2.5% rate with $0 in fees. What that means is that they do not charge LE section A or B and you might have a lender credit but you wont know how much or if any until you apply and get them to contact you and lock with them; note that pricing will change by the time you actually lock. They have sped up their process as I helped fill out application for a few people last week and they all got a response the very next day!!! That time alone used to be 3-5 weeks. As discussed before that Radian does not work with LC so you wont be able to use that as your cheapest option and so will pay the estimated title costs.
As noted Dave Pressel is just as competitive as LoanCabin and he also works with Radian so that should be a good combination for most. I dont know what Dave will be quoting you and I don't know what his AMF fee inclusion time frame is (I know its soon) but you wont know unless you ask him and or discuss with him. Try Emailing him and seeing how far you get as he might be working weekends.
Shahhere
California has a few competitive lenders Owning, HTL, Interactive that I know of so that's something that we in other states cannot match. Using them you can get LenderFi and LD to get a good match but again its Cali specific.
Shahhere
My current lender basically offered the worst deal, they wanted an appraisal fee or $750 to waive doing an appraisal for a loan they already own, closing costs was about $4.5k with some of the items definitely underestimated, they had a commitment fee of close to $1.5k and wanted me to buy 0.25 points for approx $800 to get a rate of 2.375% over 15 years, awful deal.
current lender =
Loan Depot fared only slightly better, the first guy gave me an awful deal but a few days later another guy called me and tried to improve the deal. The deal they offered was closing costs of approximately $4k, 2.375% over 15 years
Loan Cabin were way better than the other 2, it did take a week to even get someone to get in touch but it has moved pretty quickly after that. The deal I accepted was 2.375% over 15 years with $2500 lender credit and closing costs of approximately $1.5k but compared to the estimates from the other lenders, their cost estimates were very inflated and I see it ending up at maybe $500 - $1k from me. They also waived the appraisal requirement.
This also made me realize that you need to pay close attention to the cost estimates because some of them appear to underestimate those costs to lure you in.
If you have a good credit score, I would say Loan Cabin definitely need to be on your list.
I maybe could have got an even better deal reading a few of the more recent posts but I think I achieved my aim and I am in a better position so I am okay with what I have
BTW I am in NJ
Any recommendations for Title companies in NJ please?
I recently closed but I am unable to talk to any real person from my escrow company, not have I heard from them during entire process. I chose to go with my lender escrow company and not shop but I am frustrated with the secrecy with which process is taking place. ( thats why I said, I wish I had seen this thread earlier when I actually started loan application process
My lender says disbursement/funding is successful and closed. I called my escrow agent every single day and emailed but its all in vain. My lender is not willing to help and escrow company is like a ghost. I am unable to search my County records whether the deed has been recorded since they are having issues with online search portal. I contacted my previous lender who should have received payoff but they confirmed no wire has been sent, so most likely a check is being sent. (most likely means I have to still pay interest, that sucks! You see I didnt know I had to ask such questions to understand beforehand).
I contacted my new lender and they care less now to even respond after closing, even after multiple emails and calls they sent me a note "you will receive the payment booklet/information in the mail in a couple of weeks letting you know who you make your first mortgage payment to" and nothing else. They already are ghosting me now.
So my questions:
1. Does the above likely sound they sold the loan already ?
2. How do you come to know they have done so, I have no email or call or any sort of notification on this ? When does one know that it is sold other than snail mail system ? I know we get a letter with this information but I dont know when I'll receive it. I am worried it will be too late to setup my new payments until I start my trip into the mountains for 4 weeks, without LTE network.
3. My previous lender confirmed they have not received payoff and that I will be responsible for interest until they receive it. Has anyone had this pathetic response from a Escrow officer/company ?
Escrow company name : Unisource National Lender Services or Unisource Escrow
2530 Red Hill Avenue, Suite 110
Santa Ana, CA 92705
Escrow officer: Barbie Chandler
I would avoid this company at any freaking cost! Even if its free.
Usually at closing, you will have something indicating where your first payment should go. If you have already sent that, then your next payment is some way away. So unless your trip is 45+days you should not need to worry. Even if you do not have 1st payment info if you closed sometime in September, usually your 1st payment is not due until Nov 1st (you need to check your closing docs to make sure on this). So again you have at least 30 days and then even after it becomes due you will likely have another 15 days grace time meaning Nov 15th.
If your loan really got sold, RESPA will protect you for 60 days from the time they sell the loan. You will not be penalized until 60 days from the time they sell it which again brings us to the Nov 15 date.
As to payoff, if your previous lender has not received even 10 days after you closed then yes there is cause for concern. You will have to file whatever complaints you can - state AG, CFPB, etc. I don't think it will come to that. Just keep calling and leaving VMs and keep repeatedly sending emails telling that that your previous lender has not received the payment. Unisource (http://unisourcejv.com/) itself seems to be a proper company with several ways to contact on their website. Try any of the other numbers and emails to get their attention.
Harry hit the same point that I would have said to you about the payment and the time-frame that you have technically until the 15th to get the payment to them and assuming you closed in Sept your next payment should be 11/1 and so you have until 11/15 to get it in.
I am not familiar with what an "Escrow" company is for and maybe this is Cali specific? For me in PA escrows are all held by the same people as the servicer.
Your loan should fund on the 4th day the latest once your close and if it does not; the lender or the title company should be able to tell you what the status is and if something was missed then it should be corrected ASAP. Dont worry about the interest as your New lender collects estimated interest to close and so if the payment is delayed you should get the overage back from Old Lender and the New lender should then adjust the double interest they collected. Yes, that's how it theoretically works but I assume you'll have to manage this on your end given the lack or ownership in the process by the Lender and Title company.
Your loan being sold or not shouldn't be a guess work either as its either sold or in the process of and the New Lender should be able to communicate with you (who is your Lender btw?). My Better loan closed on 8/8 funded 8/14 and by 8/20 they notified me that it would be sold to Fannie by 10/1. It never transferred like it did for others and it was essentially scheduled to be sold as part of a lump sum but not until 10/1.
The Deed part is complicated based on how the government is doing what they are doing during Covid. My county is supposed to be an efile state for Deeds and Title and yet they are taking 4-6 Weeks!!!!!!!!!!! I looked up older records and they freaking registered them in 3-6 Days and this was on bloody paper filings lol. In your case the Deed not showing up online wont help you right now is all I am saying but check the MERS website to see how the current lender is and see which loan is active.
Shahhere
My current lender basically offered the worst deal, they wanted an appraisal fee or $750 to waive doing an appraisal for a loan they already own, closing costs was about $4.5k with some of the items definitely underestimated, they had a commitment fee of close to $1.5k and wanted me to buy 0.25 points for approx $800 to get a rate of 2.375% over 15 years, awful deal.
current lender =
Loan Depot fared only slightly better, the first guy gave me an awful deal but a few days later another guy called me and tried to improve the deal. The deal they offered was closing costs of approximately $4k, 2.375% over 15 years
Loan Cabin were way better than the other 2, it did take a week to even get someone to get in touch but it has moved pretty quickly after that. The deal I accepted was 2.375% over 15 years with $2500 lender credit and closing costs of approximately $1.5k but compared to the estimates from the other lenders, their cost estimates were very inflated and I see it ending up at maybe $500 - $1k from me. They also waived the appraisal requirement.
This also made me realize that you need to pay close attention to the cost estimates because some of them appear to underestimate those costs to lure you in.
If you have a good credit score, I would say Loan Cabin definitely need to be on your list.
I maybe could have got an even better deal reading a few of the more recent posts but I think I achieved my aim and I am in a better position so I am okay with what I have
BTW I am in NJ
Any recommendations for Title companies in NJ please?
Just to clarify that Total Closing Costs is such a vague measure to compare Lender offers that I've stopped using that for my case for almost a Decade. Lender tolerance for how much Escrow they collect varies so much that comparing that as a bottom line is useless and at best confusing as its nowhere near apples to apples.
I simply focus on ABC=D (+E) to compare the costs between lenders. If 1 lender is collecting 3 months of escrows and the other 6; i don't care. Yes, this doesn't apply to all as coming up with extra $5000 for escrows is not ideal but everyone.
LC is by far one of the most upfront without a lot of nickle and dime fees btw and should be used as a gauge for price comparison and deal value. They do however have the most escrow collection that is allowed so yes that will factor in to the Total Closing Costs btw.
Shahhere
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I simply focus on ABC=D (+E) to compare the costs between lenders. If 1 lender is collecting 3 months of escrows and the other 6; i don't care. Yes, this doesn't apply to all as coming up with extra $5000 for escrows is not ideal but everyone.
LC is by far one of the most upfront without a lot of nickle and dime fees btw and should be used as a gauge for price comparison and deal value. They do however have the most escrow collection that is allowed so yes that will factor in to the Total Closing Costs btw.
Shahhere
I simply focus on ABC=D (+E) to compare the costs between lenders. If 1 lender is collecting 3 months of escrows and the other 6; i don't care. Yes, this doesn't apply to all as coming up with extra $5000 for escrows is not ideal but everyone.
LC is by far one of the most upfront without a lot of nickle and dime fees btw and should be used as a gauge for price comparison and deal value. They do however have the most escrow collection that is allowed so yes that will factor in to the Total Closing Costs btw.
Shahhere