Why can closing costs differ so much between East Bay cities?
Two people can buy homes at the same price and receive very different closing statements. One important reason is the city's property transfer tax. Imagine comparing your purchase with a coworker's over dinner. You paid about the same for your homes, but one of you paid thousands more at closing.
How do I know whether I’m getting a competitive mortgage for my East Bay home?
Start with the person advising you, then give them time to prepare your loan. A competitive mortgage can begin months before someone quotes the rate. A good mortgage broker understands which lenders specialize in your type of loan. Bank of America offers its own loans; it is not shopping Wells Far
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