If you are involved in buying a home, then you already know that there are expenses involved. In today's tight lending market, mortgage lenders are being much stricter about the things that they require. Oftentimes a lender will offer what looks like a very decent mortgage rate on the surface. However, when you read the fine print, you may notice that you might even be charged miscellaneous fees, as if you were not already being charged enough fees to begin with.