What was the couple's primary concern regarding the loan offer from the bank?

The couple's primary concern regarding the loan offer from the bank focused on closing costs. Closing costs encompass the fees and expenses incurred during the process of closing a loan, which can significantly affect the overall financial burden of borrowing. This concern is vital as it can alter the affordability of the loan, impacting the couple’s budget and financial planning. A high closing cost might deter individuals from proceeding with a loan, particularly if they were not adequately prepared for these additional expenditures.

While interest rates and fees, loan term duration, and customer service are important factors to consider when evaluating a loan offer, they did not resonate as the primary concern for the couple in this context. The emphasis on closing costs indicates that the couple was primarily focused on the immediate and upfront financial implications of accepting the loan, which is a crucial aspect of the decision-making process in real estate and financial agreements.