The fees associated with a mortgage can be intimidating, especially when you see them for the first time at closing. Some fees, such as those for administration, loan processing and underwriting, are negotiable ahead of time, with your lender. Fee names can differ. Below are ranges for fees from several lenders in the Dallas area, assuming a: $200,000 mortgage loan. The numbers a

re based on an informal survey:
Processing: $125-$350 (What the lender charges for processing the paperwork)

Underwriting: $0-$290 (For determining whether you qualify for the loan)

Document preparation: $0-$225 (Paid to the lender’s lawyers for preparing the documents)

Escrow: $175-$250 (The title firm’s fee to close the deal and be escrow agent)

Appraisal: $250-$335 (The appraiser decides if the home is valued correctly; make sure the appraiser’s fee matches this figure.)

Survey: $275-$350 (Usually a property survey isn’t needed when refinancing)

Title insurance: $1,000-$1,620 (Protects lenders if someone claims they own your land. The state sets prices, which are prorated in a refinancing)

Tax service: $69-$90 (For the lender to verify your yearly property taxes)

Credit report: $0-$35 (The lender’s cost to check your credit)

Flood check: $18-$25 (Required by lenders to see if you’re in a floodplain)

Courier: $0-$50 (For delivering documents among the parties)

Recording: $40-$60 (For recording the deed of trust with the county)

SOURCES: Pulaski Mortgage; Chase Mortgage; ; Dallas Morning News research