It’s surprising how much extra homeowners and buyers end up paying on their mortgages—especially in larger U.S. cities. On average, borrowers are spending $3,300 more each year in additional interest and fees, and in some coastal metros, that figure can reach as high as $8,100 annually. The main reason? More than 80% of people don’t shop around with different lenders, missing out on potential savings just by not comparing quotes. In my experience guiding clients through the mortgage process, I’ve seen firsthand how a few simple steps can lead to smarter, more cost-effective decisions. Taking the time to understand your options really can make a difference.
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