Federal Reserve Chairman Ben Bernanke 's attempt at moral suasion Tuesday hit Oklahoma lenders as redundant and doubtful — and academic, since Oklahoma, so far, is sitting out the national mortgage crisis. Even with some relief efforts under way by ... Broker fees may come in different forms, either as an addition to your interest rate, a separate fee, or points paid at closing. With all these additional fees, you might find that your best mortgage rate deal may not sound so great after all.