You've got significant title charges, taxes prepaids etc..., but it's a good size loan which equates to larger costs.Stephanie

The management company charges fees which is deducted on my schedule E, under management fees, and I wrote up a benefit plan for the C Corp to cover my health insurance as well as co-pays and other expenses not covered by insurance.

I saw one hud were the lender charged 800.00 for a tax service..

in the old days HML charged interest on the commitment.. as competition came to the space most HML these days only charge on the drawn funds. 

We charge rent at $2,150 per month and mortgage payment is $1560.

One decided to break lease due to job loss, and we worked with them to move out and re-lease asap so an eviction and additional charges were not placed on their record.I feel for those that are dealing with tenants playing the system.

My guy did all the work and research and charged 25% of your initial tax bill savings for the town level and if you weren’t satisfied he charged 50% of the savings on the first tax bill of what he got off from fighting your taxes at the state level.

My engineers usually charge about $400 to certify or come check out etc and give you a stamped letter.

You will find that most don't have a buy up option (less points with higher rate) the 3 points you were quoted are like a prepayment penalty in reverse- charged up front. 

Most lenders charge hefty fees because we have to hold the loans for long term (unless our government loosens up in the future which I doubt).