We are a wholesale mortgage company dedicated to offering the lowest rates and the lowest costs in the state. We do not charge points, unless you wish to buy down your rate with points. All other costs, such as title, recording, and county/state taxes, are collected on the closing statement, just like any other lender in the country. Given the volume of transactions that we send our preferred title company, we also receive deep discounts on title costs, just another added benefit to working with UnrivaledRate! As Florida's premier Low Rate, Low Cost, mortgage company, I encourage you to shop our rates. We are confident that we will earn your business in the end.