The New York Times recently wrote about ways consumers can curb the costs associated with getting a mortgage loan. The Times’ top tip for keeping closing costs under control: “Old-fashioned haggling.”

Along with knowing that many loan fees are negotiable, the article mentions that consumers benefit from new rules to the Truth-in-Lending Act. Implemented in January 2010, the government now requires lenders to provide consumers with a Good Faith Estimate within three days of submission of a formal loan application. The new Good Faith Estimate provides home shoppers with a clear view of what it will cost to get a loan and the price of other services associated with getting a mortgage.

The document also encourages consumers to shop around and compare estimates to make sure they are getting the best terms and fees.