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They cannot keep the closing fees! It is illegal and they are lying to you if they are telling you otherwise. Request fom your credit card company refund of all costs to Bellaire. We had all of our money refunded, including the closing costs. Profeco as well as the Consulate advised us that the closing costs fees are just a joke and are totally refunded. Don't let them keep a dime. Good luck and so glad you got out of this horrific and shameless scam.