Working with a Mortgage Broker means that you have lower Loan Closing Costs, Lower Rates and Less Fees. You will have to pay for an apprasial up-front which the cost varies by state and is set by the VA. You will also need a Termite Clearance Report, these fees also vary by state but you can shop around. There are also title fees which also vary by state. As a Mortgage Broker we also work with Title and Escrow Companies that offer the lowest costs and fees for our Veterans. We are always looking out for you, our clinet.