New 1st time home buyer

[Kevin Mejia]

Hey BiggerPockets so I’ve been talking to some mortgage bankers . One specifically caught my attention . Bank Santander offered me a .625% discount on my mortgage because I’m making below the 50% median household income in the county. Now the closing costs was around 8,000. I would love some insight after reading all over BiggerPockets I feel that is ridiculously too much. Does anyone have any insight or any advice to lower the closing costs. This would be my first mortgage by the way . I also heard lender around 2000 closing cost with a higher interest rate. First time home buyer would really mean a lot!