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Closing costs can be expensive.

But you might be able to work with your lender, service providers, and the seller to lower some fees.

Your lender may waive some loan fees or match a competitor’s lower fees to earn your business.

Even though your lender will recommend service providers, you can hire other companies, as long as your lender approves.

So shop around to find the best rates.

If the current owner is in a hurry to sell the house, he or she may be willing to cover some of your closing costs as an incentive to speed things up.

Don’t be afraid to negotiate. You could save a bundle.

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