You have a few things. The biggest are origination and/or discount points, which equal to 1% of the loan amount. An origination point is a fee that is charged by the lender as compensation. Discount points is a fee charged in exchange of a lower interest rate, obviously the lower the rate you're seeking, the more of a discount fee or discount points you'll have to pay.
In addition to these points or origination fees, you'll also have appraisal fee, credit report(s), flood cert and maybe a couple others depending on where you're located and what lender you're dealing with. Some have more fees than others.
I strongly suggest you meet with a Loan Officer and see what the numbers are. My bank does NOT charge you points. Even though we offer low and competitive rates, we always have the option of paying discount points for a lower rate. Good luck!
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797