An understanding of what closing fees are can save you hundreds of dollars. Terms such as Origination, Loan Discount, or Junk fees are important to understand and will make obtaining a mortgage a more relaxed experience. Not all closing costs are equal, some are mandated by local, state, or federal government, while others are standard requirements set up by mortgage lenders.  These are quite normal and not a problem.  There are others that you need to be careful of are the "optional" ones.

The most common of the optional fees are generally the origination and junk fees. Origination fees are the money you pay to the mortgage broker, company or bank that

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