It will be cheaper and easier to pay them and avoid additional fees or interest.Disputing the charges is the best step. 

find cheaper deals offmarket?

I write in the book:  BETTER, FASTER, CHEAPER - PICK TWO. 

Thought about using one of  them as I heard they are much more cheaper than others.

GoGuidebook was a little cheaper and in my opinion a little easier to use. 

The key is if it costs you cheaper, then you get more profit.

Would you pay for a subscription model say $1000 a month where you got access to knowledgeable investor agent who had zero stake on if the transaction closed but provided you with local knowledge, strategies, ran comps, looked over deals, even looked over home inspection reports, talked in the phone, basically a consultant (you could possibly tack on services like writing offers or seeing a property in person) my thought is if you buy a property relatively quickly, it’s much cheaper than paying 2.5% even if you end up paying for the service for a few month’s and realize it’s not a good time for you to buy you are only out a few thousand dollars as opposed to hundreds of thousands of dollars, this would basically take the agent’s need to sell you a home out the process, presumably there motivation would be to keep you subscripted for as long as possible but you could easily just cancel and if you were interested in buying later resubscribe than.

I’ve moved into the Ohio market wholesaling and have had some marketing success with much cheaper spending.

Rentals in a more expensive area will appreciate more than in a cheaper area.

Of course the common thought is that there is two closing so it most cost a fortune but the reality is it MUCH cheaper then the 3 month seasoning products and usually cheaper then the 6 month products in terms of upfront costs with usually a better long term rate.