Lenders do at times have some flexibility to lower some of the fees but how much you will never know. It does not hurt to ask. Not sure if you could do it now but depending on what you are buying the home for, figure out what 2% of the sale price is and then ask to raise your buy price by that much and then have the seller pay 2% towards your closing cost. That will save you some out of pocket cost and would barely do anything to your down payment.
I work for a national lender and cover CA... there are a lot of different things you can do to lessen closing costs... I specialize in keeping as much out of pocket money out of my deals as possible... Send me a message would love to connect with you discuss options and maybe get you a better deal.
Happy to give you some tips maybe cut you a better deal.
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