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Music hi everyone this is your Tampa Bay realtor Lance Moore in this video I want to go over ego home mortgage closing cost I generally don't like to do this now if you don't know ego home mortgages owned by O&R and you know one a first state the reason why I'm doing this is because I have a gentleman who is buying a new home he was very confused on all these costs because unfortunately a lot of the lenders for these mortgage companies what the builders are very very complacent they're not taking the time to go over everything with consumers consumers and my clients are always calling me on this asking me questions because they know I know a lot about mortgages I used to be in mortgage banking so I don't like doing this because I know your example if you're in California if you're in Texas there there could be completely different costs things are completely different I'm doing this in Tampa Florida and these are the cost and the cost or what the cost are today and there's typical cost in our area so really I want you to take this with a grain of salt and I've gone over this before with with people there's basically three different types of lenders out there there's the banks I'm not a big fan of the banks as most people know because if they have a round hole and you're a square peg you don't fit very well they just tell you you don't qualify you know they only have their money to lend and they're basically jux vault rates are not really a master than anything when you get into companies like Eagle home mortgage they're a banker they're most likely lending their own money some bankers or correspondant lenders and then you have brokers but builders don't use brokers they're just not big enough so anyhow let's just go over this and I'm gonna go over everything just as I did my buyer and I really want you to take it with a grain of salt on what I'm saying but I'm definitely at the end of this gonna give you some very very good advice that I would follow if you're getting too new home and especially if you think you're not getting a very good interest rate or if you think you're getting taken advantage of but with that said I don't really find lenders that are owned by builders but their to take advantage of buyers are they going to be the lowest interest rate in cost in the world well of course they're not are they going to be on the higher end bull of course they will but you know they should be fair so Niihau let's go over this what what started what happened is my client asked me about the interest rate because the interest rate as you could see it right here was four.