I refuse to pay any closing on loans. 2 years before my 10 I did a 15 through them, their rate then was 2.75%, but they let me buy out closing costs by going to 3.25%. I knew it would only be a couple years before I moved so I wasn’t worried about the .5%
Being a home builder I work with the banks a lot, so I get a lot of chances to pick their brains on options.