When you apply for a loan you should insist a good faith estimate from the lender or broker.  This is an estimate, however, you can hold the lender to the fees and compare fees to other banks.  Most parties become fixed on the rate and never pay attention to how much they are being charged to get that rate.   Realize this could mean thousands of dollars over the course of many years for your home.

Many thanks to Pamela Kaczmarek from National City Mortgage Virginia Beach real estate and homes senior loan officer for her contribution.  Mortgage calculator here.