{"id":17973,"date":"2025-04-07T15:50:20","date_gmt":"2025-04-07T15:50:20","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/can-you-negotiate-home-equity-loan-closing-costs-experts-offer-advice\/"},"modified":"2025-04-07T15:50:20","modified_gmt":"2025-04-07T15:50:20","slug":"can-you-negotiate-home-equity-loan-closing-costs-experts-offer-advice","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/can-you-negotiate-home-equity-loan-closing-costs-experts-offer-advice\/","title":{"rendered":"Can you negotiate home equity loan closing costs? Experts offer advice"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/04\/07\/a6146f2f-7fab-40b8-9f20-2258a4ff1186\/thumbnail\/1240x827\/34e728a060668e840d3f2f74e82089c2\/gettyimages-2047952380.jpg?v=7613930c2bdb7d1bf55be910a9b022f2#\" alt=\"gettyimages-2047952380.jpg \" height=\"827\" width=\"1240\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Homeowners should carefully calculate their home equity loan closing costs before acting.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>Closing on a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity loan<\/a><\/span> is a big step for homeowners who are taking advantage of the average of <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-the-average-home-equity-amount-right-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">more than $300,000<\/a><\/span> in equity they have. For many, a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-do-home-equity-loans-work\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity loan<\/a><\/span> will be the biggest <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/secured-vs-unsecured-debt-everything-to-know-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">secured loan<\/a><\/span> they&#8217;ll take out. When you&#8217;re dealing with loans of this size, it&#8217;s natural to want to look for opportunities to save money.<\/p>\n<p>Shopping around for low\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/todays-home-equity-loan-heloc-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity loan rates<\/a><\/span> is one way to cut costs, as a lower rate can save you thousands over the life of your loan. However, interest rates are just one part of the overall cost of borrowing a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-shop-home-equity-loans-helocs-this-april-experts-say\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity loan<\/a><\/span>. While rates can impact how much you pay over time, a home equity loan&#8217;s closing costs affect how much you pay up front, generally speaking. Closing costs for a home equity loan tend to range from <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-are-home-equity-loan-closing-costs\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">2% to 5%<\/a><\/span>, representing $2,000 to $5,000 in fees for a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-would-a-100000-home-equity-loan-cost-per-month\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">$100,000 loan<\/a><\/span> and $4,000 to $10,000 in fees for a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-would-a-200000-home-equity-loan-cost-per-month\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">$200,000 loan<\/a><\/span>. \u00a0<\/p>\n<p>Finding a way to save on closing costs could potentially reduce your out-of-pocket expenses at closing, but is it even something you can do? Below, we&#8217;ll break down what to consider now.\u00a0<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fwww.bankrate.com%2Flanding%2Fcbsnews%2Fbest-home-equity-options%2F%3Fsub-id%3Dhttps%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcan-you-negotiate-home-equity-loan-closing-costs-experts-offer-advice%2F&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcan-you-negotiate-home-equity-loan-closing-costs-experts-offer-advice%2F&amp;event_type=click&amp;article_id=4a1dc27f-17ad-4c9b-b82d-45681a60930a\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how much it could cost you to borrow with a home equity loan here<\/a>.<strong>\u00a0<\/strong><\/p>\n<h2><strong>Can you negotiate home equity loan closing costs?<\/strong><\/h2>\n<p>Generally speaking, yes, you can negotiate your home equity loan closing costs.\u00a0<\/p>\n<p>&#8220;Reducing upfront expenses makes the loan more affordable, especially for those tapping into equity for renovations, debt consolidation, or major purchases,&#8221; says Nathan Young, founder of mortgage lender North Star Mortgage Network. &#8220;Paying less in fees means more of your home equity is actually going toward your goals \u2014 not into unnecessary costs.&#8221;\u00a0<\/p>\n<p>To be as successful when you negotiate your home equity loan closing costs, it&#8217;s important to know which costs tend to be easiest and hardest to negotiate.<\/p>\n<h3><strong>Origination, application, appraisal, title and escrow fees: Easier to negotiate<\/strong><\/h3>\n<p>When you receive your loan estimate from your <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/is-home-equity-loan-smart-in-todays-economy\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity<\/a><\/span> loan lender, read over your estimate line by line, Young recommends.\u00a0<\/p>\n<p>If you see origination, application, appraisal and title fees (which you most likely will), there&#8217;s an opportunity to negotiate, says Nicollette Chapman, senior vice president of mortgage data solutions at housing tech and data firm Zonda.\u00a0<\/p>\n<p>&#8220;Borrowers will have the most negotiating power with lender-controlled costs like origination fees, discount points, and even application charges,&#8221; Chapman says. Some lenders may pad their origination fee, which they charge for processing your loan, Young says. As a result, be direct with your negotiation here.<\/p>\n<p>&#8220;Ask your lender to reduce or waive it entirely,&#8221; he says. &#8220;If you&#8217;re a strong borrower or a repeat client, there&#8217;s room to cut this down.&#8221;<\/p>\n<p>You&#8217;ll likely see title and escrow fees listed in your loan estimate, too. You might be able to reduce these costs by making a simple ask of your lender, Chapman says.\u00a0<\/p>\n<p>&#8220;Title and escrow fees also vary \u2013 ask your loan officer to price out options with two or three service providers,&#8221; she says. &#8220;In addition, many title companies offer a discounted re-issue rate, which is lower than the initial policy rate.&#8221;<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fwww.bankrate.com%2Flanding%2Fcbsnews%2Fbest-home-equity-options%2F%3Fsub-id%3Dhttps%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcan-you-negotiate-home-equity-loan-closing-costs-experts-offer-advice%2F&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcan-you-negotiate-home-equity-loan-closing-costs-experts-offer-advice%2F&amp;event_type=click&amp;article_id=4a1dc27f-17ad-4c9b-b82d-45681a60930a\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Secure your home equity loan today<\/a>.<strong>\u00a0<br \/><\/strong><\/p>\n<h3><strong>Recording, credit report and appraisal fees: Harder to negotiate<\/strong><\/h3>\n<p>While lenders can typically control the costs of a home equity loan&#8217;s origination and application fees, they have less control over recording fees (what you pay to record the transaction with your local government), credit report fees and <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/do-you-need-an-appraisal-for-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">appraisal costs<\/a><\/span>.\u00a0<\/p>\n<p>&#8220;Certain costs like credit reporting charges and recording fees are often fixed amounts and are not determined by the lender,&#8221; Chapman says. While those fees may not be easily negotiable, you can always ask the lender if you can avoid paying the fees upfront.\u00a0<\/p>\n<p>&#8220;If the borrower prefers to keep out-of-pocket closing costs minimal, many fees can be rolled into the loan,&#8221; she says. That being said, there may be some wiggle room in these hard-to-negotiate fees, Young says \u2014 <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/low-home-equity-loan-appraisal-steps-to-take\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">appraisal fees<\/a><\/span> are a good example.\u00a0<\/p>\n<p>&#8220;While the appraiser sets the base rate, lenders often mark it up or use preferred vendors,&#8221; he says. &#8220;Ask if you can choose your own appraiser or get a refund if a recent appraisal is already on file.&#8221;<\/p>\n<h2><strong>How to effectively negotiate home equity loan closing costs<\/strong><\/h2>\n<p>A good negotiation starts with good preparation.\u00a0<\/p>\n<p>&#8220;Negotiation isn&#8217;t about being pushy \u2014 it&#8217;s about being prepared,&#8221; Young says. &#8220;When clients come to the table informed, they save more, borrow smarter and walk away feeling confident.&#8221;<\/p>\n<p>Part of that preparation is to get home equity loan quotes from multiple lenders to compare potential closing costs.\u00a0<\/p>\n<p>&#8220;Price loans out with three different types of lenders \u2013 a federally insured bank, an independent mortgage bank and a broker,&#8221; Chapman says. &#8220;Make sure to reach out to your personal bank \u2013 many institutions will give preferred pricing to their depository banking customers.&#8221;<\/p>\n<p>Comparing offers isn&#8217;t just about finding the lowest price, though \u2014 it&#8217;s also about finding the loan that works best for you, says Mark Worthington, branch manager for mortgage lender Churchill Mortgage. &#8220;The best way to be successful in negotiating [home equity loan] closing costs is to speak to more than one source,&#8221; Worthington says. &#8220;This allows you to compare the service and cost levels to find what best serves your needs.&#8221;<\/p>\n<p>Once you have your offers in hand and can compare closing costs, you might be able to lower your fees by allowing the lenders to compete with each other. &#8220;Nothing talks like paper,&#8221; Young says. &#8220;If another lender is offering a better deal, show it \u2014 and ask your preferred lender to match it or beat it.&#8221;\u00a0<\/p>\n<p>And if you&#8217;re feeling particularly brave, consider adding your lenders and PDFs of their offers to a group email in which you ask which company can make the best offer by a certain deadline, says David Wickert, president of mortgage lender Accunet Mortgage.<\/p>\n<p>&#8220;Get three quotes in writing, attach all of those PDFs to one email, and put every lender on the same email chain with each other,&#8221; Wicker says. &#8220;Ask all of them all at once who can improve their offer to you as you&#8217;d like to make a decision by noon the following day.&#8221;<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>No matter which approach you take during your negotiations, maintain respect for your lenders, Young says. &#8220;Ask questions. Push back \u2014 respectfully,&#8221; he says. &#8220;A good lender will be transparent and work with you.&#8221;\u00a0<\/p>\n<p>During the negotiation process, remember that things may not always move as quickly as you want them to. Generally speaking, a home equity loan closing can take <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-borrow-home-equity-quickly-according-to-experts\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">two weeks to two months<\/a><\/span>, provided there aren&#8217;t any hiccups along the way that can extend the process. As a result, being patient is an important part of your negotiation, Chapman says.\u00a0<\/p>\n<p>&#8220;Approach negotiations with patience \u2013 taking out a [home equity loan] is an important financial decision,&#8221; she says.\u00a0<\/p>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/jr-duren\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">J.R. Duren<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">J.R. Duren is a content marketing writer for CBS MoneyWatch&#8217;s Managing Your Money team.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/can-you-negotiate-home-equity-loan-closing-costs-experts-offer-advice\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners should carefully calculate their home equity loan closing costs before acting. Getty Images Closing on a home equity loan<\/p>\n","protected":false},"author":1,"featured_media":17974,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-17973","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can you negotiate home equity loan closing costs? Experts offer advice - World News<\/title>\n<meta name=\"description\" content=\"Home equity loan closing costs can be costly for borrowers. 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