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Yes I have received a GFE. I actually got three diffrent ones from my LO. My builder is paying some of the closing cost and depending on which loan I take (USDA, FHA) I may have to pay some closing cost. I'm going to ask my LO about all these fees because she has not said a peep about them.
Can you post your GFE? It sounds like she gave you a rough estimate rather than a detailed estimate.
Or, because you are having a home built, some of the fees (thinking of the survey here) could be picked up by the builder.