Comparing closing costs isn't as easy as it sounds. Lenders and brokers charge all kinds of fees giving them a wide variety of names. One might say that it doesn't charge an "application fee", but it makes that up by charging a "commitment" fee or "doc prep" fee at closing.

Don't rely on what your being told before see your real Good Faith Estimate faxed or mailed! And don't accept a lender's "that's just the way it is" answer when asking why your good faith estimate shows $5,000 in assorted fees for a $100,000 mortgage.