When you get your purchase or refi-ready approval, you’ll also see your Loan Estimate, which is a standard form all lenders are legally bound by, so it’s pretty important. It sets out every fee in detail — here’s a sample one here.

Your loan amount, location, property value and credit history all play a part in determining your costs. The other important factor is how efficient your lender is. If their costs are heavy, yours are too.

Because we’ve removed steps and need fewer people than other lenders, we’re pretty confident our rates and closing costs are super low.
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