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2. No-closing-cost refinance: What it is and how it works - AOL

   www.aol.com/finance/no-closing-cost-refinance...

   No upfront payment: There’s no need to come up with a few thousand in cash. Break-even sooner: When you pay closing costs to refinance, it can take some time for the new monthly payments to help ...

3. Discount points - Wikipedia

   en.wikipedia.org/wiki/Discount_Points

   Borrowers can offer to pay a lender points as a method to reduce the interest rate on the loan, thus obtaining a lower monthly payment in exchange for this up-front payment. For each point purchased, the loan rate is typically reduced by anywhere from 1/8% (0.125%) to 1/4% (0.25%).

4. Mortgage calculator - Wikipedia

   en.wikipedia.org/wiki/Mortgage_calculator

   The fixed monthly payment for a fixed rate mortgage is the amount paid by the borrower every month that ensures that the loan is paid off in full with interest at the end of its term. The monthly payment formula is based on the annuity formula. The monthly payment c depends upon: r - the monthly interest rate. Since the quoted yearly percentage ...

5. Who pays closing costs, the buyer or the seller? - AOL

   www.aol.com/finance/pays-closing-costs-buyer...

   If you’re putting down less than a 20 percent down payment, you will likely have to pay an extra monthly fee for private mortgage insurance. Some lenders might require you to make an upfront ...

6. Personal loan origination fees and other fees to watch out for

   www.aol.com/finance/personal-loan-origination...

   Non-sufficient funds fee: You pay this fee if one of your payments cannot be processed. Application fees: Few personal loan lenders charge a fee just to apply. Avoid lenders that charge both ...

7. Good faith estimate - Wikipedia

   en.wikipedia.org/wiki/Good_faith_estimate

   This is the cost of the credit report. The lender does not have to pass this cost along to the buyer. 805 - Lender's Inspection Fee; This is the lender's cost of inspecting a property – some may double check the appraisal provided by an independent appraiser 808 - Mortgage Broker Fee; This is the upfront charge that a mortgage broker charges.