When I'm shopping around for a 30-year FRM, should I be considering interest rates or APR?
You Have To Look At Both. The APR is an excellent way to compare closing costs between lenders. If the rate is the same but the APR is higher then that means the lender's costs are higher. If the rate and APR are very close then that lender's costs are lower. You Should do a side by side comparison of...

Who pays for closing costs during a short sale?
Travis is correct it depends on the lender. Most lenders have established their own policy and the listing agent for the property if it is listed should be able to provide guidance on this issue. Most lenders if it is a reasonable offer will negotiate to pay a portion of the closing costs. We are seeing in...