Definition. Hypothermia is a medical emergency that occurs when your body loses heat faster than it can produce heat, causing a dangerously low body temperature. Normal body temperature is around 98.6 F (37 C).Hypothermia (hi-poe-THUR-me-uh) occurs as your body temperature passes below 95 F (35 C).efinition. Hypothermia is a medical emergency that occurs when your body loses heat faster than it can produce heat, causing a dangerously low body temperature. Normal body temperature is around 98.6 F (37 C).
On the other hand, discount points can be added at the time of lock or later in the process if you choose to pay to reduce your interest rate. Origination fees are the fees required to originate the loan. They can include processing fees, underwriting fees, administrative fees, and several others. Your loan officer can give you a complete breakdown of these fees as they vary from state to state.
The loan origination fee is a charge by the lender for evaluating and preparing your mortgage loan. This can cover document preparation, notary fees and the lenderâs attorney fees. Expect to pay about 1% of the amount youâre borrowing (a $300,000 loan, for example, would result in a loan origination fee of $3,000). Points: By paying points, you reduce the interest rate you pay over the life of your loan, which results in more competitive mortgage rates. One point equals 1% of the loan amount.