Loan Origination Fee $ 900 $ - $ 990 Application Fee $ - $ 270 $ - Document Preparation Fee $ 250 $ 265 $ - Underwriting Fee $ - $ 265 $ - Appraisal Fee $ 460 $ 550 $ 550 Appraisal Management Fee $ - $ - $ 90 Credit Report Fee $ 40 $ 63 $ 22 Tax Service Fee $ 95 $ 110 $ 75 Recording Fee (Deed + Mortgage) $ 170 $ 240 $ - Notary Fee $ 30 $ 20 $ - Sub-total of Fees Above $ 1,945 $ 1,783 $ 1,727 Title Insurance/Endorsements $ 924 $ - $ - Title Closing Protection Letter Fee $ - $ 125 $ - Title Electronic Document Delivery Fee $ - $ 49 $ - Title Endorsement Fee $ - $ 300 $ 452 Title Lenders Coverage Premium $ - $ 699 $ 680 Title Overnight Delivery Fee $ - $ 21 $ - Title-Tax Certification Fee $ - $ 50 $ - Title Owners Coverage Premium $ - $ 50 $ 774 Title Settlement/Closing Fee $ - $ - $ 850 Sub-total of Title Fees Above $ 924 $ 1,294 $ 2,757 Property Inspection $ 325 $ 325 $ - Pest /Termite Inspection $ 55 $ 150 $ - Flood Certification $ 25 $ 12 $ 7 Sub-total of Inspection Fees Above $ 405 $ 162 $ 7 State Transfer Tax (half share) $ 600 $ 600 $ 600 Total Closing Costs $ 3,874 $ 3,839 $ 5,090 

You also have the issue of material delivery, returns, etc.

Why pizza delivery, because it pays great with tips.

Frankly those style guru's are just mimicking what works and its based in MLM of the 80s and 90s... exact same set up and delivery.. 

Most leases require delivery in a “broom clean” condition.

Some will but you have to question how much savings are you actually getting after factoring in the time and effort it takes you to shop, process the order and schedule delivery of materials. 

. - laundry handled separately by a wash-and-fold delivery service. 

Because you signed a contract with a government agency, make sure you get a return receipt of the delivery of the notice.

Amazon has a truly amazing computer and distribution system.The problem is at the delivery end.  

Your delivery is always sour and you never hesitate to talk down to someone like you are holier than thou.