Fee-by-Fee Breakdown
Generated by FairRate · Independent analysis · No lender affiliation
Borrower
J. Martinez
Property
Austin, TX
Loan Amount
$385,000
Lender
First National Mortgage
Fee Analysis
Origination Fee
Negotiable
$2,100
save $700
Underwriting Fee
Standard
$895
Appraisal Fee
Required by lender
$650
Title Search Fee
Negotiable
$450
save $130
Settlement / Closing Fee
Negotiable
$1,200
save $450
Rate Lock Fee
No charge
$0
Total Potential Savings
3 fees flagged as negotiable. If reduced to market averages, you could save:
$1,280
on a $29 report
Negotiation Script
Word-for-word language to use with your loan officer for each flagged fee.
Origination Fee
Potential savings: $700
“Hi [Loan Officer], I've reviewed my Loan Estimate and noticed the origination fee is $2,100.”
“I've done some research and found the market average for comparable loans in Austin is around $1,400.”
Unlock full scripts — $29
Includes scripts for all 3 negotiable fees
Your report also includes scripts for Title Search Fee and Settlement / Closing Fee.
Loan Estimate Analyzer
Get your full analysis for $29
Upload your Loan Estimate PDF and get a fee-by-fee breakdown with negotiation scripts in under 60 seconds.
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