 TITLE: 6 Steps to Refinancing Your Home Mortgage CONTENT: 4\\. Watch Out for High Lending Fees\n-----------------------------------\nEvery lender has its own set of mortgage refinance loan fees, which means some lenders may charge fees others don't. Also, some lenders may charge more for certain services than others.\nCommon fees associated with refinancing a mortgage include:\n*   Escrow and title fees\n*   Lending fees\n*   Appraisal fees\n*   Credit fees\n*   Insurance fees\n*   Property taxes\n*   Origination fees\n*   Interest rate discount fees (also called points)\nThe lower the fees, the less time it will take to break even with the savings you're gaining from a lower interest rate. Lenders will typically provide a loan disclosure with an estimate of closing costs, so make sure to itemize the different fees and compare them with costs from other lenders. END