1. 向谁借钱

抵押贷款行业是一个竞争激烈的行业, but most lenders have some wiggle room in terms of the 费用 they pass on to you. 其中的一个 easiest ways to cut your closing costs is to shop your lender, 并仔细比较贷款估算. Lenders charge loan costs, including those for loan origination and underwriting. 降低发起费用, you can ask the lenders if there are any aspects of it that can be waived, 如申请费或手续费. 一些贷款人会捆绑申请和 processing 费用 into the loan origination 费用, while others won’t. Ask for more obscure 费用 to be knocked off the bottom line. Knowing the competitor’s rates and 费用 will give you the power to approach your preferred lender to see if they will match the best rates, 或者给你一个更好的条件. Be wary if a lender offers you a credit to go toward closing costs, as often times, the tradeoff is a higher interest rate over the life of the loan.

2. 逐条分解你的贷款估算

一旦你选择了放款人, they will provide you with a “Loan Estimate Form” detailing what your estimated closing costs will be. 一些 这些费用是可以商量的，有些是不能商量的. 当你拿到贷款评估时, take the time to go through each line item with the lender, 核实每项费用涵盖的范围, 以及它的成本 做. This is also a good way to identify padded or unnecessary 费用, as well as duplicate 费用 where you may be charged twice for the same function. 一个常见的例子是处理费用与. 承销费.

3. 询问赠款、折扣和返利

Different cities, counties, and states have financial assistance programs for qualified homebuyers. 通过联系您所在的市政当局开始 agencies that are likely to have an up-to-date list of such programs. The key is to do the necessary research to make sure you get everything you are entitled to.

• First-time homebuyer loans (these programs typically help with down payment and closing costs).
• Some lenders offer rebates and incentives to attract borrowers. These rebates can knock down various costs a few hundred dollars, 在你开口的时间里轻松赚到钱.
• 寻找忠诚计划. Some banks offer help with their closing costs for buyers if they use the bank to finance their purchase. It's the bank's way of offering a reward for being a customer.
• Military members have closing-cost benefits that are often overlooked.
• Service members and veterans may qualify for funds to help them purchase a home. 这些好处不限于VA贷款.
• Union members can get help purchasing a home with closing-cost discounts and rebates from the Union Plus Mortgage program.
• Americans with lower incomes can apply for an FHA (Federal Housing Administration) loan, 政府支持的抵押贷款.

4. 了解卖方支付的金额

While the buyer is obligated to cover a majority of the closing costs, the seller is typically required to pay the real estate agent commission. 但, 这取决于市场和卖家的动机, you may be able to negotiate a lower sale price on the home to offset the costs, or they may be willing to cover some of the additional 费用. Most loans allow sellers to contribute up to 6% of the sale price to the buyer as a closing-cost credit, reflected as “seller credits” on the Loan Estimate form. 这是密封的好方法 这笔交易，以及卖方的免税费用. However, getting help from the seller isn't always easy in a hot seller's market.

5. Shop and Compare New Vendors and bwin官方网owner’s Insurance

The vendors listed on the Loan Estimate form are your lender’s preferred vendors, 但你不需要使用它们. 做一下调查，看看能不能 你可以找到更便宜的选择. A few of these services may include the pest inspection, the survey, title search, etc. You should do this as soon as possible because, once you hire them, these vendors will need time to prepare the necessary paperwork. Finding more inexpensive vendors could save you hundreds of dollars in closing costs.

除了, homeowner’s insurance is one of those things that every lender is going to require, 但不管你能不能通过他们 每个月省钱. Get at least three quotes, making sure to use the same coverage amounts. It'll reduce your closing costs and save you money long-term on your insurance premiums.

6. 月底结束

作为一个买家, one of the simplest ways to reduce your closing costs is to schedule your closing toward the end of the month. 抵押贷款的利息是 收集拖欠, 还有新的住房贷款, you will prepay interest that accrues from the closing date to the end of the month. Closing at the end of the month can save on prepaid interest. 这个月剩下的日子越来越少了, 结算时预付利息越少, 你拿出的钱就越少.