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Can you negotiate mortgage lender fees?

Short answerYes. Origination, underwriting, and processing fees are frequently negotiable, especially when you have competing Loan Estimates to leverage. Ask the lender to match a competitor's fee structure or to offset fees with a lender credit. Third-party fees like appraisals and title work have less room, but it never hurts to ask.
Reviewed by Juan Fernando Romero, NMLS 2557318Updated

The details

The strongest negotiating position comes from two or three written Loan Estimates for the same loan terms.

Some lenders will reduce fees rather than lose the loan, but they cannot change third-party charges they do not control.

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