Finding the best home loan rates without losing your mind
Totally get where you’re coming from. Those “courier fees” are such a relic—like, what are they even delivering, a scroll sealed with wax? I’ve pushed back on those before and got the same brick wall response. It’s almost like they’re daring us to challenge them, just to see if we’ll cave.
But honestly, I think you nailed it about picking your battles. I used to obsess over every line item, but after a few deals, I realized the real money is in the rate and terms. The small fees sting, but missing something like an expiring rate lock or a sneaky prepayment penalty can cost way more in the long run.
That said, I do wonder if lenders intentionally make these disclosures so dense that most people just give up reading. It’s not exactly transparent. Maybe it’s not a conspiracy, but it sure feels like they benefit from our confusion. Still, I’d rather spend my energy negotiating the big stuff than arguing over $30 for “overnight delivery” of documents that arrive by email anyway...