A Loan origination fee is a specified amount the lender charges, sometimes in lieu of points, sometimes in addition to points. You can also expect to pay for some incidentals like property appraisals. Note that most lenders offer a trade-off between points, and interest rates. You can pay more points to get a lower interest rate, and vice-versa. Under no conditions should you give them the originals.
Lenders are often busy, especially the good ones and especially when rates are low.
We can choose a lender for you. Your needs will determine which lender is right for you. There are many good lenders, which our agents have worked with over the years and can confidently refer you to. If so, please let us know.