Bank of America Corp. is taking another stab at simplifying the often bewildering bevy of fees that mortgage borrowers pay at the closing table.

Today it will begin offering up-front guarantees of closing costs for most home-purchase loans made at its 6,100 bank branches and retail mortgage offices. If the costs of third-party services such as appraisals or title insurance turn out to be higher than the "flat fee" B of A quoted, it will make up the difference.

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