u/Resist_Embarrassed

Hey everyone, I’m looking for some honest feedback on a mortgage loan estimate I received. I’ll attach the loan estimate below.

I’ve already done quite a bit of research to understand what to look for, but at this point I’d really appreciate input from people with real-world experience.

Here’s the situation:

• Purchase price: $485,000

• Down payment: $170,000 (\~35.1%)

• Seller credit: $10,000

• Property type: Condo

• Location: California

Credit score: 774

What I’m mainly trying to figure out:

• Does this loan estimate look reasonable overall?

• Are any of the fees higher than they should be?

• Where is there typically room to negotiate or reduce costs?

Any and all responses are greatly appreciated.