{"id":34589,"date":"2009-07-28T11:45:16","date_gmt":"2009-07-28T11:45:16","guid":{"rendered":"http:\/\/www.brownstoner.com\/?p=34589"},"modified":"2009-07-31T09:44:58","modified_gmt":"2009-07-31T09:44:58","slug":"refi-closing-co","status":"publish","type":"post","link":"https:\/\/www.brownstoner.com\/forum-archive\/2009\/07\/refi-closing-co\/","title":{"rendered":"Refi Closing Costs &#8211; Shoe Drops!"},"content":{"rendered":"<p>Okay, went through my 3 month refi process, and finally got the good faith estimate on closing costs. Of course it was too good to be true from my original discussions with mortage banker, and suddenly there is an $6000 origination fee and .5 point loan discount fee that weren&#8217;t previously discussed.  My total estimated closing costs are 19,678&#8211;about 10K more than I was expecting.  (I don&#8217;t have to go through with it.)  This is a &#8220;CEMA&#8221; loan.  Before I call back and ream the mortgage banker, does anyone have any reference points on this?  Has anyone done a NY refi recently and can tell me what kind of closing costs they incurred.  (Original mortgage 608K) New One at 633K.  Any advice?  Thanks!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Okay, went through my 3 month refi process, and finally got the good faith estimate on closing costs. Of course it was too good to be true from my original discussions with mortage banker, and suddenly there is an $6000 origination fee and .5 point loan discount fee that weren&#8217;t previously discussed. My total estimated&#8230;<\/p>\n","protected":false},"author":4782,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"schneps_byline":"","schneps_post_style":"","schneps_post_source":"","schneps_syndicated_read_more":"","schneps_post_source_sitename":"","schneps_syndicated_thumb_html":"","schneps_syndicated_thumb_src":"","schneps_post_source_shortname":"","schneps_post_source_url":"","schneps_post_source_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[100],"tags":[],"districts":[],"class_list":["post-34589","post","type-post","status-publish","format-standard","hentry","category-mortgage"],"acf":[],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/brownstoner.com\/forum-archive\/2009\/07\/refi-closing-co\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Refi Closing Costs &#8211; Shoe Drops!","url":"http:\/\/www.brownstoner.com\/forum-archive\/2009\/07\/refi-closing-co\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.brownstoner.com\/forum-archive\/2009\/07\/refi-closing-co\/"},"thumbnailUrl":"","image":{"@type":"ImageObject","url":""},"articleSection":"Mortgage","author":[{"@type":"Person","name":"hoffster"}],"creator":["hoffster"],"publisher":{"@type":"Organization","name":"Forum Archive","logo":""},"keywords":[],"dateCreated":"2009-07-28T11:45:16Z","datePublished":"2009-07-28T11:45:16Z","dateModified":"2009-07-31T09:44:58Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Refi Closing Costs &#8211; Shoe Drops!\",\"url\":\"http:\\\/\\\/www.brownstoner.com\\\/forum-archive\\\/2009\\\/07\\\/refi-closing-co\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.brownstoner.com\\\/forum-archive\\\/2009\\\/07\\\/refi-closing-co\\\/\"},\"thumbnailUrl\":\"\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"\"},\"articleSection\":\"Mortgage\",\"author\":[{\"@type\":\"Person\",\"name\":\"hoffster\"}],\"creator\":[\"hoffster\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"Forum Archive\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2009-07-28T11:45:16Z\",\"datePublished\":\"2009-07-28T11:45:16Z\",\"dateModified\":\"2009-07-31T09:44:58Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/brownstoner.com\/p.js"},"jetpack_featured_media_url":"","print_hed":"","photo_gallery":[],"print_subhed":"","print_slug":"","syndication_thumb":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/posts\/34589","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/users\/4782"}],"replies":[{"embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/comments?post=34589"}],"version-history":[{"count":0,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/posts\/34589\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/media?parent=34589"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/categories?post=34589"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/tags?post=34589"},{"taxonomy":"districts","embeddable":true,"href":"https:\/\/www.brownstoner.com\/forum-archive\/wp-json\/wp\/v2\/districts?post=34589"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}