preferance on closing costs

3 Replies

closing costs is a super general term that could involve all sorts of line items, so you really need to break down what fees and expenses you want to /  your lender will allow to be financed, and what you have to pay in cash up front.

I prefer to pay as much as possible up front, and usually I pay 100% of any Loan fees and closing costs at the time of a purchase or a refi.  Sometimes the lender will require fees to be paid up front, sometimes they will add them to the loan.  On a commercial loan you will likely not be able to roll origination and points into the loan.  On an in-house loan you will likely have to pay them up front. So this really depends on what the lender will allow.

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