How Lender Fees Can Actually Save You Money
What Are Lender Fees?
Lender fees are charges associated with processing and funding your mortgage. They typically include:
Loan origination fees
Underwriting and processing fees
Rate lock fees
Discount points (optional)
While these fees may seem like a burden, they can actually work in your favor—especially when paired with competitive interest rates and smart loan structuring.
How Lender Fees Can Benefit You?
Here’s how lender fees can translate into long-term savings:
Lower Interest Rates: Paying upfront fees (like discount points) can reduce your interest rate, saving you thousands over the life of the loan.
Better Loan Terms: Some lenders offer more favorable terms when fees are paid upfront, especially for buyers with strong credit.
Built-In Value: Many fees are rolled into the loan or offset by lender credits, meaning less out-of-pocket at closing.
Check your credit score impact
What to Watch For?
Not all lender fees are created equal. Here’s what to evaluate:
Are the fees itemized and transparent?
Is the rate competitive compared to other lenders?
Are you being offered lender credits or trade-offs?
Does the APR reflect the true cost of the loan?
Learn how APR includes lender fees
“Lender fees aren’t just a cost—they’re a lever. When structured strategically, they can unlock better rates, stronger terms, and real long-term savings.” — Stephen Savant, CEO of Savant Mortgages
🏁 Focus on Value, Not Just Cost
Instead of fixating on fees alone, look at the full financial picture. A slightly higher upfront cost could mean a significantly lower monthly payment—and thousands saved over time. We help you evaluate every option with clarity and confidence.
Want to compare loan offers side by side? Request a personalized fee breakdown and let’s find the smartest path forward.
GOT AN EXISTING LOAN ESTIMATE OR CLOSING DISCLOSURE?
