Discussing junk fees is not fun, but neither is being duped into paying them.
"There is no shame in being ignorant, but there is in thinking that you aren’t."
~ Socrates ~
They're called mortgage fees, closing costs, and yes, junk fees; but when they violate regulations it's called fraud.
1 in 6 mortgages have fraudulent closing costs, averaging $910.1
Unlawful junk fees cost consumers close to $1 Billion annually.2
Government regulators audit <1% of all mortgages,
and thus they catch <1% of this type of fraud.3
Consumer Financial Protection Bureau (CFPB)