Sellers: As we get through the details of your deal, we'll not only work to get the highest sales price, but we'll also campaign for reduced closing costs. And once we've reached an agreement, we'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: When buying a house, you will receive a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within a tolerable range so you're not shocked when you come to the closing appointment. We'll be happy to look through the GFE with you, answering your questions and highlighting any estimates that seem questionable.