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Based on a $200,000 Mortgage, the average closing costs in Texas are $4,619 vs. $3,754 at the National level, topped only by New York. Many people believe the most important cost you should shop is your lender's loan interest rate. But there are other variables you can shop in your closing costs. These closing costs include fees such as Mortgage company's origination fee, processing fees and third party fees like Home owners insurance.
Closing fees can vary, depending on the Mortgage company. These fees come from things like the inspection and the appraisal. The Mortgage company will dictate who to use, but you have the right to shop these services. You may save money by shopping these services on your own. Another big variable cost is your Homeowners Insurance. Your insurance premium directly affects, not just your closing costs, but your monthly mortgage payment. Shopping your cost of insurance can save you money each month.
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