Help me explore refinance
" If a mortgage broker convinces a borrower to take on an interest rate that is considerably higher than the borrower is entitled to, the broker gets a kickback called a yield spread premium. The kickback is a powerful incentive for the broker to get you to pay a higher interest rate. If you are offered a mortgage loan with a yield spread premium, look elsewhere. Good loans never include this fee. • Routine fees that have been increased outrageously.