A few factors can go into separating one estimate from the rest. First off, make sure the estimates are the same loan program. Both conventional? Make sure they reflect the same down payment, interest rate, seller help, if any, to compare apples to apples. One program with 5% down Lender Paid Mortgage Insurance will look very different when compared to FHA (3.5% down). Often, banks will show thousands of dollars in seller help to make the closing costs appear more favorable. Here at McCormick Mortgage, we are happy to take a look at your estimates, answer questions, and send you a competitive estimate. All at no cost and no obligation.