Absolutely. You need to find a broker who's willing to eat most of the costs. That's easier in the Bay Area where mortgages are high dollar so that they still

Absolutely. You need to find a broker who's willing to eat most of the costs. That's easier in the Bay Area where mortgages are high dollar so that they still make enough money to make it worthwhile. I don't have closing statement with me, but the total cost is way lower than 1%. And, yes, I obviously had a spreadsheet to evaluate the different scenarios.