Sellers: As we get through the details of your deal, not only will we work to get the optimal sales price, but we'll also advocate for reduced closing costs. And once we've reached an agreement, we'll give a detailed list of the closing costs so you know exactly where your money is going.

Buyers: If you're purchasing a house in Texas, you will be given a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's past experiences and is required to be within a reasonable range so you're not astonished when you come to the closing table. We'll be willing to look at the GFE with you, answering your questions and highlighting any estimates in question.