The Good Faith Estimate
 Be wary of Brokers who will not give you a Good-Faith Estimate.

It's important to know how much all the various fees will cost you. Michigan law requires every bank or mortgage company to give the buyer a Good Faith Estimate within three days of applying for the loan. This paper will outline all the fees you’ll be expected to pay in order to obtain your loan. Although this is an estimate, the figures should not vary too greatly from the actual fees you’ll pay at closing.

Lenders have no control over title-related fees or the cost of homeowner's insurance. When you shop for a loan, be sure to compare only the that the lender controls.
            
Review the closing costs estimates and don’t be afraid to ask questions about fees you don't understand. Watch out for unusual fees and additional charges that seem questionable and do nothing for you. These are referred to as "Junk Fees" in the Mortgage business and only serve to make the broker a little richer.

Typical closing costs