Negotiate.

Once you’ve found the best mortgage lender and best mortgage loan, start negotiating for the best possible deal. Mortgage lenders and brokers often change their prices for the same mortgage to different consumers for no apparent reason other than they can pocket some of the difference in price as profit. Ask your mortgage lender or broker to put down all costs of the mortgage in writing, then request that they waive or reduce some of the mortgage fee or lower the rate or points. You don’t lose anything by asking.

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