Buying a home can be a confusing and scary process, but don’t assume that you have to pay for everything. Certain fees, such as city or county recording fees and taxes, are not negotiable. But other types of fees can and should be challenged, including mortgage application fees, appraisal fees, underwriting or processing fees, and mortgage insurance as well as actual mortgage rates and points. Home buyers may also want to negotiate with the sellers to see if they will pick up some of the closing costs and fees.
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