Closing costs, including title insurance fees, appraisal costs, pre-paid interest, and documentation fees, can be charged in addition to interest on the mortgage. These costs help pay for the work we do for you as an independent mortgage broker. In most cases, these will be paid out of pocket at the time of closing. However, your lender may be able to offset a portion of these costs in exchange for a higher interest rate. We guarantee the best rate in costs to our customers, so you know you won’t overpay for your mortgage.