My experience the last time I used a builder's lender was that closing costs vary widely. In addition to their quote, I also got a quote from Jay at Ags Reward, and by the time the builder "covered" their lender's closing costs, it was pretty much a wash (meaning Jay's quote simply had less closing costs to begin with). I would have paid about the same OOP at closing regardless; however, Jay quoted me a lower interest rate than the builder's lender did. So, I went back to them, told them I could get a lower rate elsewhere, and they matched the rate Jay quoted me. In short, it's worth it to shop around. And I highly recommend Jay (I have since refinanced with him - it was super easy, and I got a fantastic rate on the refi). Lesson learned - lenders don't always offer you the best available rate that you qualify for.