I get where you’re coming from, but sometimes a fee that looks “padded” is just industry standard—especially with things like title insurance or processing.
I’d say sometimes it’s just poor communication, not always something shady. I’ve seen good agents stumble over jargon but still be totally above board. Maybe give them a chance to clarify before walking away.If they can’t explain it, that’s a red flag.
I get the whole “industry standard” thing, but I’ve refinanced twice now and honestly, some of those fees still make my eyes cross. I’m all for giving people a chance to explain, but if someone can’t break down what I’m paying for in plain English, that’s a problem. It’s not about being shady—sometimes it’s just that they’re too used to the jargon. Still, if I’m dropping thousands, I want to know where every penny goes... call me picky, but it’s my money on the line.
if someone can’t break down what I’m paying for in plain English, that’s a problem.
Totally get this. I’m just starting out and every time I ask about fees, it feels like I’m getting a pop quiz in finance. I don’t think it’s picky at all to want clear answers—honestly, it makes me trust someone more if they can explain things without the jargon. If they can’t, I start wondering what else they’re glossing over.
