Here is what I want a new home, 15 year loan with no closing costs :)

The old addage of "you get what you pay for" is definitely in play here. You cannot go to your favorite resturant and ask for their best meal and expect to get it for free. Nor will you go into your place of employment and work 40+ hrs and on pay day give them the money that you have earned back. When you ask for things for free that is when you must beware. If you have 4.5 with 0 closing costs go with it. Remember...the internet has not closed a loan yet!If you would like to discuss real terms on a real purchase, I am always available, Reggie Hayes with Secure Lending Solutions, www.rhayes.slsmtg.com. Email rhayes@slsmtg.com.

I would Highly recommend comparing your current offer with Rate1st.com!We have over 25,000 direct lending sources so we can Guarantee to find you the best deal available. It looks like our current best rate available for a 15 Year Fixed is 4.125%. Depending on your loan amount, that difference could add up to a substantial savings. Also, I just ran a search and Freemont Bank is one of the Lenders in our network so if you apply with Rate1st.com You can see how they stack up against everyone else....But I do agree with the 2 previous answers, don't believe anyone who trys to sell you NO CLOSING COSTS, everyone has to get paid somehow. Maybe they are just hiding their fee's in YSP / Rebate or worst case scenario they may try to change everything at the last minute.