Home Closing Costs

One of the best ways to lower your closing costs—and get a great deal on interest rates and points—is to find out which mortgage lender the current owner uses.
Call up his or her loan officer and mention that you're buying the house, you're shopping for financing, and you wanted to give them a crack at your business.

It's a lot easier for the lender to keep you than find a way to replace that business, so he'll be glad to make a deal.