Is there any such thing as a lender that offers funding without any fees upfront?

[Jarrett Lovick]

Lately I have been encountering clients whom think that they can acquire very substantial funding without paying any out of pocket expenses before the close of the loan. And no I am not talking about a retainer or processing fee. I am talking about due-diligence, appraisals, insurance, etc. Has anyone ever had a lender roll these fees into the total loan amount? Let me know your thoughts?