πππβπ¬ πππ₯π€ ππ₯π¨π¬π’π§π ππ¨π¬ππ¬ Ever looked at a Loan Estimate and wondered: βWhat part of this does my loan officer actually control?β Here's the real deal: ππ‘ππ π πππ§ ππ¨π§ππ«π¨π₯: β Origination fees (in this case, $0! ) As your loan pro, I fight to keep this cost LOW (or eliminate it when I can). ππ‘ππ π πππ§βπ ππ¨π§ππ«π¨π₯: β Appraisal, credit report, flood cert fees β Title company and attorney charges β Homeownerβs insurance β Taxes, prepaid interest, escrow set-up β Pretty much all the "other costs" ππ‘π² ππ‘π’π¬ π¦πππππ«π¬: You deserve transparency. Many of these numbers come from third parties, NOT the lenderβbut they still end up on your estimate. Thatβs why working with a loan officer who will break it down for you (like me ) makes all the difference. DM me if you want a second set of eyes on your Loan Estimate