HomeFi does not charge origination points.
On loan amounts over $225,000.00 we have $0.00 fees. On loan amounts below $224,999.00 we have a processing charge of $595.00 and on loan amounts under $124,999.00 we have a processing fee of $995.00.
You can elect to lock a rate that includes discount points for a lower rate option, but that is at your discretion. If you have questions about discount points and whether they make sense for you, please contact one of our consultants.
You will be responsible for all third party fees on a refinance transaction and on a purchase loan you will be responsible for all of the third party fees that your contract defines as buyer paid items.
HomeFi will provide a Loan Estimate to you within 3 days of your application and this document will estimate all of these costs.