Let’s talk about something most homebuyers miss—because no one tells you to ask.

You get a rate quote—let’s say 6.5%. Sounds good, right?
But what if I told you that exact same rate could come with $5,000… or even $10,000 in extra fees?

Here’s the truth: the interest rate is just the headline.
The real story is in the fine print.

Some lenders pad the deal with:
👉 Origination charges
👉 Discount points (basically buying down the rate)
👉 Appraisal, credit report, and title fees
👉 Escrow setup for taxes and insurance

These can add thousands to your bottom line.
So what do you do?

Ask for a Loan Estimate—that’s the official breakdown of costs.
Not just the rate. The total picture.

Because the lowest rate isn’t always the best deal.
And you deserve a lender who tells you that upfront.