C3 hit it on the head as usual, I just will add that the cheapest FFLs that do transfers are usually your pawn shops or home based. If it list by appt only, it's probably a home based FFL. So do some shopping around.
"Regardless of whether justified of not, you will feel sad about killing another human being. It is better to be sad than to be room temperature." - Joe B Fricks.
01 FFL, GOFFA, NRA, GOA, IAVA, VFW, ABATE of Iowa D15.