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Cash-Out Refinancing
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I’ve had similar luck pushing back on fees, especially with smaller lenders or local banks. One time I straight up told a lender I’d walk if they didn’t at least try to match a competitor’s offer, and suddenly $300 in “mandatory” fees disappeared. It’s wild how flexible things get when they sense you’re serious about shopping around. That said, I do think people get too hung up on the tiny stuff—if you’re saving thousands on rate or closing costs, sweating every $50 fee can be a waste of energy. Still, I’ll always ask... worst they can say is no, right?
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