[quote=flu]Well the thing that irks me is these nickel and dime fees. You know you think that the lender would be obligated to disclose of all these nickel and dime fees before escrow.. But maybe I missed it, I don’t recall there being a disclosure of these fees (just how much your payments will be)….

Also, not that I’m planning to but the way provident is set up, they really discourage you to make irregular extra principal payments. I don’t think you can do it…[/quote]

It’s hard to make money when you loan margin is like 2%. Nobody works for free, so if you get an ultra low rate expect to pay for it in hidden fees. In a typical California house the lower rate make up for the fees but on some houses in the country below $150K-$200K the fees might be more than the rate savings.