Some closing costs may be negotiable between buyers and service providers.Your lender may negotiate certain fees, such as application & loan origination fees. Usually the origination fee is 1% of the loan amt.. Also some legal fees may be negotiable, but typically not. Obviously, these are fees that are discussed and decided upon when considering lenders and attorneys. However, fees charged by these providers should not, alone be the deciding factor as to who you choose. It is much more important to make sure you select a.reputable mortgage company & attorney who can get you to closing with the least amount of effort & on time. That is what you are paying for. Title insurance fees between different companies ary slightly, but usually the difference is not worth shopping. Other closing costs are fixed.