Choosing Your Lender:
During a home contract negotiation, you are always trying to make or keep more money, and you should have the same mindset during the lending process. There are literally thousands of lenders out there, both locally and online, who have all sorts of packages, benefits, savings, and rates that will directly affect how much you pay for your loan. 
Your closing costs will include loan origination fees, appraisal fees, loan application fees, recording fees, lender’s title insurance fees, owner’s title insurance fees, taxes, escrow deposits (homeowners insurance and taxes), and probably some others. While it can be daunting to understand a quote that a lender sends you, if you have the time and patience to go through your quotes, you will see that different lenders and title companies can charge different fees.
If you are involved in a sale of a home, you typically will be dealing with a local title company. However, you don’t necessarily have to deal with a local lender. Make sure to competitively price out lenders both here locally and nationally. You can probably even ask for a price match from your local lender if that is the direction in which you want to go. You can compare pricing for title companies in the same way by researching local title companies or Asking Your Agent for a referral as well! Some lenders work with different title companies, so they may be able to steer you to several from which to get pricing.
