Mortgage Fees Too High? Read Page Two of Your Loan Estimate
Posted September 3, 2026 by Jake Taylor, NMLS #162265
About this video
Mortgage fees too high? In Arizona the answer is on page two of your Loan Estimate. Here is how to read it, and what a discount broker does about it.
Every mortgage comes with a Loan Estimate, the three-page form you receive within three business days of applying. Page one carries the rate. Page two is the closing cost details, the page where the lender fees, third-party fees and prepaids actually live. Most people sign without reading it. This short is the Robin Hood version of that page: the fees ride in the coach, and somebody takes them back.
I am a mortgage broker in Chandler, Arizona. I am a discount broker, in the race to the bottom on fees on purpose, and I read page two of the Loan Estimate for a living. Bring me anyone's Loan Estimate, any lender, any bank, and I will walk through it with you line by line and put mine next to it. No pressure. Just the paper.
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Jake Taylor · NMLS ID 162265 · Licensed in Arizona
Barrett Financial Group, LLC · NMLS ID 181106
2701 E Insight Way, Suite 150, Chandler, Arizona 85286
Equal Housing Opportunity
This video is for informational purposes only and does not constitute a loan offer or commitment to lend. All loan products subject to credit approval. Programs, rates, terms, and conditions subject to change without notice. Jake Taylor Home Loans operates as a mortgage broker through Barrett Financial Group, LLC. Licensing information available upon request.
Educational content, not a loan offer or rate quote.
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Jake Taylor, NMLS #162265, licensed in Arizona. Barrett Financial Group, L.L.C., NMLS #181106. Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law.



