Yeah, these fees are ridiculous sometimes. When I refinanced my VA loan last year, they tried tacking on an "e-document preparation" charge. Like seriously? You're charging me extra to NOT print paper? I pushed back a bit, politely questioned it, and surprisingly, they ended up waiving the fee. Always worth politely challenging those random charges—half the time they're just seeing what they can get away with.
Good catch on that e-doc fee—I ran into something similar when refinancing my mortgage. Makes me wonder, has anyone else noticed other subtle fees or charges lenders tend to slip in during refinancing? Curious what's common vs. what's negotiable.
Yeah, lenders love sneaking in those little fees—it's practically a sport for them. One I've seen pop up a lot is the "rate lock fee." Sounds official, but honestly, it's often negotiable or even waivable if you push back a bit. Same goes for courier fees—seriously, who's couriering anything these days? Always worth questioning these charges; you'd be surprised how quickly they vanish when you start asking questions...
"Same goes for courier fees—seriously, who's couriering anything these days?"
Haha, you'd be surprised. Had a client recently who actually requested physical copies couriered overnight—felt like I stepped back into the 90s. But yeah, most fees are negotiable if you're firm but polite about it.
Had a similar experience recently—client insisted on overnight courier for signed docs. Felt like a time warp, honestly. Anyway, regarding VA refinancing, a couple quick points:
- Rates are still relatively low but creeping up, so locking in now could make sense.
- Watch out for lender fees; definitely negotiable if you push a bit.
- Compare at least two or three lenders to make sure you're getting the best deal.
Good luck!
