where can i find a list of fees attached to my mortgage before closing 
mortgage fees some of which are considered unnecessary or predatory by consumer advocates are part of the costs that appear on every hud 1 settlement statement in the past that statement was a separate itemized form that federal law required a lender to provide a borrower at closing since 2015 it s been consolidated into the closing disclosure can i negotiate to remove junk fees in my mortgage yes it s possible to ask a mortgage lender to remove or modify some of these fees during the closing process remember that as the borrower it s best to carefully review and question fees in the mortgage that appear unnecessary the bottom linejunk fees in mortgages are multiple charges that a lender imposes at closing they can be unexpected by the borrower and not clearly explained by the lender this surprise factor can lead to the buyer feeling that the fees are excessive and tacked on to other legitimate closing costs without good reason other types of junk fees often illegal can be found and questioned by consumers when taking out auto loans deposit accounts or student loan servicing 