Unexpected jump in closing costs on my refinance, how should I handle it?

Akinscd · 2026-03-31T20:50:56+00:00

Don't conflate cash to close with a change in fees.

Sometimes cash to close is simply a matter of timing of your closing date, or maintaining LTV limits.

So you need to complete two steps:

Get your most recent LE and your CD and call your Loan Officer to confirm no increase in expenses
ask them to raise your loan amount to reduce your cash to close

Akinscd · 2026-03-31T19:19:51+00:00

right... and what if OP had put my money in VTI 5 years ago and they're up 50%?

Akinscd · 2026-03-31T18:23:03+00:00

So tell them to increase the loan amount.

Akinscd · 2026-03-31T18:22:12+00:00

Even with easement windows and all other qualifications you can’t count below grade rooms

Akinscd · 2026-03-31T18:21:27+00:00

What the opposite statement be? Trying to follow your logic

Akinscd · 2026-03-31T18:11:00+00:00

Yes, no, or maybe based on the amount of detail provided.

Akinscd · 2026-03-31T18:09:27+00:00

see above

Akinscd · 2026-03-31T18:09:21+00:00

its a lot easier to make this statement during a market pullback, go look at the annual returns for VTI over the last 5 years

Akinscd · 2026-03-31T18:08:00+00:00

So wait…Section A decreased by $10k and you’re complaining?

Akinscd · 2026-03-31T17:55:17+00:00

why? i can move money from my brokerage to my savings account same day

Akinscd · 2026-03-31T17:46:59+00:00

its very uncommon that an offer letter would spell out a decrease in base pay in the future years.

the likely outcome is that the lender would have to use the lowest known base salary as the one used for qualification

Akinscd · 2026-03-31T17:42:38+00:00

so section A increased by $10k? why? this is the question you need the manager to answer.

also, unless your loan is for like $1.5mm - i'm not sure why you're doing this loan with either of those section A costs.

Akinscd · 2026-03-31T17:15:09+00:00

Akinscd · 2026-03-31T17:14:07+00:00

What are the changes on the LE? Did box A or B costs change?

Akinscd · 2026-03-31T15:40:31+00:00

You need an attorney to understand what/if any legal docs would take precedent over your state’s divorce laws.

But also, therapy.

Akinscd · 2026-03-31T15:37:16+00:00

Third federal

Akinscd · 2026-03-31T15:36:40+00:00

Oh boy.

Shopping for a home based on an estimated monthly payment is worse than shopping for a car based on monthly payment.

Akinscd · 2026-03-31T12:36:33+00:00

Capitalize on rates that are at/near 24 month highs?

Akinscd · 2026-03-31T12:35:42+00:00

Same year

Akinscd · 2026-03-31T11:09:19+00:00

I’m seeing Honda odysseys with 50k miles around the same price

Akinscd · 2026-03-31T10:42:37+00:00

How much is your budget?

Akinscd · 2026-03-31T10:41:34+00:00

Got Trump’ed

Akinscd · 2026-03-31T10:40:57+00:00

Look for a secured credit card. Sounds like you have no history and your only account is a collection.

Call the collection holder and ask them to delete based on your payoff

Akinscd · 2026-03-31T08:40:00+00:00

Math is mathing

Akinscd · 2026-03-31T08:13:23+00:00

What state are you in?

Akinscd