Remember that each one point is equivalent to one percent of the loan amount, and the points are what you choose to pay when you select your interest rate. You may choose to pay anywhere from zero to three or four points to get the interest rate you select.
Some lenders use junk fees to make their interest rates more attractive.
They can advertise and quote a lower interest rate or fewer points, but not mention all their miscellaneous fees. They make up the difference at closing with these miscellaneous fees. I have seen them reach into the thousands of dollars. The best way to avoid junk fees is to shop smart for your loan. Do not just focus on rate and points.