Horace’s brain is on vacation… whether he likes it or not.

The national average total closing costs for a refinance mortgage transaction were $2,207. This is an average of 0.67% of the refinance loan amount.

Here on the Full Disclosure podcast, we try to keep things chill. But when it’s time to grind our gears… don’t even get us started.

Horace and Octavia compare their experiences of the current market.

Closing costs as a percentage of sales price hovers around 0.5% to 3%, with an average percentage of 1.04% and a median of 0.85%. Just like in 2025, Delaware leads the pack at a whopping 3.06% of the sales price.

Ever wonder what the homebuying process looks like from an insider’s perspective? We’v highlighted Jim’s homebuying process in the past. Now it’s Alayna’s turn!

Horace and Octavia continue their protracted conflict over the use of the CRM (or lack thereof).

For this week’s podcast, Jim, Alayna, and Tim discuss the book The Subtle Art of Not Giving a F*ck, and whether there is any such thing as “champagne problems.”

For this month’s LodeStar x SettleWise update, Jim, Alayna, and Tim are recapping conferences in the midst of a busy season. Are we giving signs of fatigue? Never…