Can I negotiate mortgage terms and costs at closing?

Negotiation remains open until the documents are signed. Agreement is not required on the other side. The CFPB notes it is usually easier to discuss the lender's own fees than fees paid to third parties.

Ask about anything you do not understand, especially fees and rates. Lender charges such as underwriting and processing can sometimes be explained, reduced, or waived. Taxes, city and county stamps, and recording fees are set by government authorities and are not typically negotiable. Appraisal, credit-report, tax-service, and flood-certification fees are paid to third parties, often at a set price, and are harder to change. The lender may also require escrow deposits for future taxes and insurance.

The CFPB notes that comparing offers before closing is usually more effective than waiting until the table. If a closing problem is not resolved, you can complain to the CFPB.