Can we negotiate a discount on closing fees or get a free mortgage appraisal

Title costs and appraisal fees are hard costs and usually are not negotiable.. however if your purchasing a home, you can ask the seller to contribute towards your costs, or if your refinancing, you can choose a slightly higher interest rate and get a lender credit which can be used to pay your costs, but as Peter said.. Nothing is "FREE".. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

remember nothing is "free"

Are you refinancing or purchasing? If you are purchasing have you located a property? Is the seller willing to pay toward closing costs? If you are refinancing, would you be comfortable in taking a higher interest rate to cover the costs? Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Jamie and I have been in the mortgage business since 1989. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you. Jamie Lynne - www.bartprequalifies.com - email Jamie@bartprequalifies.com - 800 315 8803

Jamila, If the question is does it have to come out of your pocket the answer is No it does not have to come out of your pocket. Many people may tell you that there are discounts or free but as these other fine lenders have stated, If you are in a real estate transaction someone will pay the third party costs. Appraisers are in business as well as title companies and escrow companies. All that means that in the end you will pay for it. Either in the price of the home or the price of the mortgage. You many not even notice it but you will be paying for it. Have a Great Day. We are a great local Banc here in Southern California. You may give me a call 714-227-5087. David Schwartz