**For illustration purposes only. This comparison uses the following assumptions: Loan Amount: $300,000, 80% LTV, Lock Period 30 days, excellent credit, escrows not waived, state of IL, refinance loan, no cash out, single family residence, full documentation. Fees listed equal lender fees and discount points if applicable, and do not include third party fees, insurance, taxes or pre-paid interest. If fees are negative it reflects a credit toward closing costs.