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I am not quite sure what the question exactly pertains to, as far as "fees".
If by fees you mean closing costs then yes you can.
In a purchase you can include your closing costs into the loan by getting what is known as a "sellers concession"
Basically the closing costs are added to the purchase price and that is now the new purchase price.
To do that first off you have to get the seller to agree to let you do that. Secondly the home must appraise for that amount.
Say for eample you are buying a home for 100,000 your closing costs are 5,000. The new purchase price with a full sellers concession is 105,000 on the contract, on your mortgage and on the appraisal.
The house must appraise for atleast 105,000, if it appraises for 100,000 then you can't do it.
It has to be written in the contract and the seller must agree because they are conceding they could have sold the home for 105,000 but they are selling it for 100,000 and letting the buyer include their closing costs.
Sellers concessions can cover all or half of the closing costs.
In a refinance you can roll your closing costs into the refinance as long as your loan to value doesn't go over 100%, though some banks will go as high as 125% on your loan to value though I don't recommend it in most cases.
Loan to value is your current debt on the home divided by its current market value.
A home worth 100,000 with a 50,000 mortgage has a LTV of 50%.
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