The first time you open a Loan Estimate, it almost feels like stepping into another language. So many boxes, terms, fees… and you’re supposed to just know what all of it means?
Here’s the truth no one really tells you:
You’re not meant to magically understand it on your own. But the moment someone breaks it down, everything about the homebuying process starts to feel lighter, calmer, and way more in your control.
Some fees are locked in.
Some are flexible.
Some are worth questioning.
And some are opportunities to save real money.
Once you know the difference, you stop feeling intimidated and start feeling empowered — like you’re actually steering this process instead of just hoping for the best.
And that’s what this little breakdown is here to help you do.
— Richard Sarey, your go-to mortgage broker in FriscoTX
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