Thanks for you help in advance. First what should I expect on closing day.I am supposed to close on the 28th of Aug.. Everytime I talk to the mortgage lender, the money changes on how much I need to bring...My down payment is solid, Yet she will sneak in bring 400 for this and 500 additional for that...Thats cool but if I ask the seller for a 4000 dollar closing cost credit, why am I paying all of these additional charges..I am going with wells fargo... Her closing cost is 1377... at first she said that the appraisal was included. Then she said I needed to bring an additional 400 for a commitment fee. I dont know...It has been a long haul...I almost feel like just renting..lol...ALSO, does anybody feel like its a good idea to buy a home in pre forclosure...Im trying to do all my research...Thanks for the advice.