You're looking at your closing cost estimate and it's way higher than you expected. You assumed these fees were fixed - that you just have to pay whatever the lender and title company charge. But here's what nobody's telling you: closing costs are negotiable expenses, not mandatory fees set in stone. You can ask sellers to cover your costs, shop around for better rates on services, and negotiate lender fees. After being a top loan officer in the country, I put together a guide that shows you exa