Buyers and Homeowners will receive a "Good Faith Estimate" of closing costs upfront.   I will be glad to go over the "Good Faith Estimate," and answering questions.  It's important to understand that prepaid items are NOT part of the loan-related closing costs.  All homeowners are responsible for paying their Mortgage, Home Insurance and Property Taxes. 

Please note that we also do "No Cost / No Point" loans especially for refinance transactions and we cover all the closing costs.