21.   He said that the three banks providing the mortgages on the condos also discounted their fees and that in many cases the closing costs were folded into the loans.

22.   High prices and the large amount of cash required for a down payment and closing costs stop many from buying, he said.

23.   Homeowners should add up how much they would pay in closing costs, fees and points on a new loan.

24.   Home buyers know that they are often required to pay several thousand dollars in closing costs to complete the deal.

25.   In addition to customer refunds, the rules should lower closing costs for many buyers.

26.   In fact, Selsberg said, defining closing costs is like shooting at a moving target that changes shape as it changes location.

27.   In some areas, special promotions -- such as price reductions and sellers paying closing costs -- have also been lures for potential homebuyers.

28.   It will offer low- to middle-income buyers mortgages with flexible credit and income requirements as well as reduced down payments and lower closing costs.

29.   It will take them less than two years to recoup the money they spent on closing costs.

30.   Keep in mind that the interest rate on the second loan is often higher, and there may be extra closing costs.