...Vacant Homes Are High Risk for Insurance CoverageAmerican Chronicle, CA -9 minutes agoSome are simply abandoned when the owners find they can't make the mortgage payment and think running is easier than dealing with foreclosure. This is also perhaps why mortgage brokers charge high for closing fees. A percentage of the closing fee you pay on a mortgage goes to the mortgage broker's personal funds. This, along with a few more fees, stands as their salary.