I want to see if I can get my fees down. Are any of the terms negotiable or are they all set in stone
The short answer is yes some of the fees could be negotiable. The fees shown on the GFE are from both the lender and other third party providers like the appraiser, closing agent, title insurer, government recording & transfer fees, pest control, etc.The loan officer should of reviewed all the items shown on the GFE and let you know which fees are from the lender and which are from others that I mentioned. If the LO did not do this then you may be working with the wrong guy.
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