Of course, this ties back in to AZ Refi Tip #1 which is the importance of shopping at least 3 separate lenders. Make sure you don't take the first price that they give to you. Always ask them to improve their rate, drop their fees, or both. You'll be pleased to see that more often than not they will respond. Afterall, they don't want to lose your home loan business.
Individual loan officers do have a lot of lee-way over how much to charge. While the employer may have minimums and package requirements, since the loan officer is making a commission, they know where the wiggle room is.
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