Hidden fees in Transfer Taxes???

[Joe Edwards-Hoff]

Hello,

So, my friend and I are both buying houses at the same time. Both putting 5% down on conventional loans. His place is  175k and mine is 185k. My credit score is higher. 

All that said, we noticed that he was being quotes about .5% higher interest on his loan than mine. He was going through a lender in town, I was using one online. He got a loan summary from my lender and then showed it to his other lender. The other lender said that they were charging him for points to bring the rate down, but I see nothing on the loan summary stating that. The only real difference between the two is that my guy shows the transfer taxes on the summary. Now, he told me that he just had to disclose all money that would possibly be needed at closing, but as far as I know, there is no reason why I'd be paying those taxes. Even on my Good Faith Estimate, there is nothing mentioned about points. 

Any thoughts?