Loan Origination Fee. This covers all the processing costs associated with completing the loan. Another way to define a point is as a prepaid finance charge, payable at the time you close on your mortgage loan. Generally, the more points you pay, the lower your interest rate. Closing Agent and Review Fees.
Most lenders charge a fee for the services of the closing agent.
You may also be charged for other legal services involved in completing your loan. Some mortgages carry a penalty for paying off the loan before the stated term is up and it can be quite substantial. In any case, you should check the original mortgage to make sure. Depending on your mortgage, you could also be charged fees for a VA loan guarantee, FHA or private mortgage insurance, and a variety of other possible costs.