[chuckw951]

My wife and I just refinanced today. 30 year fixed at 5.875% no points. There was a surprise at the settlement table though. The numbers on the "good faith" estimate looked fine to me when I reviewed them last week. Today when we went to review the HUD1 the lender had inserted a $525 "committment fee." Bastards! Of course I could have cancelled the whole deal, but at that point we had already paid the appraisel and would have lost other fees if we backed out. I called the broker and they ultimately offset $300 of the fee through a "broker credit." While this isn't directly related to the original posters question...it is wise to compare the HUD1 to the good faith estimate to look for surprises.