When you're buying a home, it’s easy to feel overwhelmed by the long list of closing costs that show up before you get the keys. But did you know not all closing costs are created equal and not all of them are within your control? At LJ Mortgage Team , we believe that understanding the details upfront is the key to a smooth closing. Here's a simple breakdown of who controls what  when it comes to closing costs: ✅ Sections A & B – 100% Lender Control