Decided to do a re-fi on my mortgage since current rate is 5.5% and wanted to roll in a HELOC. Got a 3.5% rate. Other places I looked at offered 3.75% and 4%. But, their closing costs were around $1700 and $2500. The lowest rate place was Quicken Loans but their closing costs were $6k (!). $2000 of that was paying the years taxes and insurance.
Monthly payment was the lowest by $50 a month, and everything else is good, but the closing cost amount (that they roll into the loan) just seemed excessive. Haven't signed anything, so wondering if closing costs are usually negotiable, or if I should just accept it and move on.