We guarantee that your lender fees will match or be lower than the total amount quoted on our Closing Costs. That's right, we absolutely guarantee that at closing your total lender fees (such as flood certification, document preparation, loan processing fee, tax service and recording fees) will be the same or less than those shown on our site. This guarantee also covers the cost of the appraisal and credit report. Even if the actual fees turn out to be more, we'll cover the difference.

Please note that the loan-related closing costs guarantee excludes the cost of prepaid interest, escrow items (such as property taxes, hazard insurance, flood or mortgage insurance), and other third-party real estate transaction costs (such as property surveys, home inspections, title insurance, closing fees, or a home warranty). Since these fees vary depending on your closing date, the service provider you choose, or the home you buy, we cannot always predict the exact amount for these items right away. We will, however, provide an estimate of these fees so you'll know what to expect and can have the funds ready. For these other third-party costs, keep you informed about any changes to our estimate so you can plan accordingly, and tell you the exact costs as your closing date approaches.