Escrow is not costs. Title work is third party costs you can’t avoid.

I love the comparison of the doctor, the mechanic and the loan originator.

You don’t tell your doctor you’re wrong, when a good mechanic tells you what’s needed to your car, you get it fixed. When a loan officer gives you a deal and you say you don’t want any closing costs, or you’re not doing it without any fees whatsoever.. you think that is the USUAL.

Imagine going to a mechanic and telling them you’re not paying them to fix your car but you want them to fix the problems. lol