If you choose a lender that charges origination fees and you want them waived, many lenders are open to negotiations. Origination fees are internal charges, so lenders have the authority to make changes to terms related to them. If you have a high credit score or a significant down payment, they're more likely to waive these fees since you're considered less likely to default on your loan. Waiving this feel can, however, translate to paying a higher interest rate over the life of the loan.