HARP 2.0 through current lender is a little more than $10k to close

That's absolutely insane.. Most borrowers who go back to their current lender are most always taken advantage of.. Maybe it's because they think you won't shop them... but trust me.. There are much better HARP 2.0 deals out there... The best advice I can give you is to contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. 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. 480-287-5714 WilliamAcres.com

Give me a call so we can review all the details that are not in your posting and we can find a way to reduce this cost factor. Mark 800-485-1387 Extension 107

There are several factors that can change closing costs. Date of settlement, title company, taxes and homeowners escrows and lender fees. Our closing costs are typically half of that. Obviously it all depends on your unique situation, we are doing HARP with almost 0 overlays I would be happy to review your situation. Call my cell phone 443-624-9398

No worries, accidents happen. :)