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hi guys this is Sue Ellen and Abby home loans how are you thanks for coming back to go over this detailed closing cost worksheet now the reason I decided to do this video was one of my borrowers called me not long ago and we were in a 45-day escrow we were like five days out ready to close and she called and she said you know Sue Ellen I don't remember what you told us about how our loan amount got to be this dollar amount and then there was another fee she had these worksheets but there was another fee that she was asking me about and I felt bad she was I've been going to ask you but I just didn't want to have to ask again because I know you explained it to us before and I thought how sad I don't want someone to have to be self-conscious to ask questions and you have to understand typically a homeowner only buys one or two homes and they are only going through the loan process a handful of times in their lifetime so remembering all this stuff is not something they really need to do bu

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