Junk Fees

Charges levied by a Lender at Closing in the hope that the borrower will neither question them nor abort the transaction. Such Fees often are of a questionable nature, but are small relative to other legitimate Closing Costs.
Example: When the Stevenses went to close on their new home, they discovered several expenses on the list of closing costs that were connected with financing. They understood the charge for Discount Points and Origination Fee, as well as the costs of Title Insurance. However, they wondered if the charges for Loan Processing ($200), document handling ($150), and fund maintenance ($350) were just junk fees that the lender was trying to slip by them. There had been no mention of these costs on the lender's Good Faith Estimate they received when the applied for the loan.