They are legit, but ask yourself a question. Why would any company offer to pay all closing costs? The reason is that they want your business, but you are going to pay a higher interest rate to make up for the closing costs. Nothing is free, my friend! If you do not have the $$$ to pay the closing costs, it is a good deal. If you have the $$$ to pay the closing costs, you will most likely qualify for a lower interest rate elsewhere.
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