Is a no-cost loan really free?

From actual City Creek Mortgage clients

 

 

"Okay so go ahead everybody says it's free and it's a lie I don't believe it I never believe it they always lie right and so we know or at least we believe that somewhere in that loan they have stuff that money where we can't quite see it they're cheating that's how we feel every time so they say it's a no-cost mortgage but really what does that mean cuz I have to still get a mortgage kidding right could they do I no-cost mortgage right what does that mean seriously free nothing's free"

 

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