One time I caught a $95 “fax fee.” Fax! In 2023! They dropped it after I asked if they were sending documents via carrier pigeon next.
That cracked me up—seriously, some of these fees feel like they’re just seeing what sticks. One thing I’d add: check your credit report before starting the refi process. Errors or outdated info can bump your rate, and you want every edge you can get. Also, if you’re shopping lenders, ask for a fee worksheet upfront. It’s not binding like the Loan Estimate but gives you a quick snapshot to compare. Saved me a headache last time.
“Also, if you’re shopping lenders, ask for a fee worksheet upfront. It’s not binding like the Loan Estimate but gives you a quick snapshot to compare.”
I did this when I started looking around and it was eye-opening. Some lenders sneak in “processing” or “admin” fees that are just... random numbers. I actually found one worksheet where the “courier fee” was $65—guess they’re using gold-plated envelopes? I second the credit report tip too. Mine had an old card still showing as open, which made things weird for a bit. Double-check everything before you get too far.
That’s a great catch on the “courier fee”—you’d be surprised how often those little charges add up. It’s wild how some lenders just tack on random admin costs without much explanation. You’re totally right about double-checking your credit report, too. Even small errors can throw a wrench in the process, especially with VA loans. Don’t feel weird about questioning fees or asking for clarification—if something looks off, it probably is. You’re definitely on the right track by digging into the details early.
Honestly, I get where you’re coming from on nitpicking fees, but sometimes folks go overboard and risk losing a decent deal by fixating on every tiny charge. In my experience, if the overall numbers make sense—monthly payment, total interest paid—then a few small fees aren’t worth derailing the process over. Just my two cents.
I get your point about not sweating the small stuff, but I actually think those little fees can add up more than people realize. When I started looking into refinancing, I was surprised how quickly “just a few hundred here and there” turned into a couple thousand dollars. Maybe it’s just my nature to want every line item explained, but I’d rather be a bit picky upfront than regret it later. Sometimes those fees aren’t as minor as they look on paper...
