Dwight Moreland had been suffering from a bad back and living off his savings for more than five years when he finally gave up hopes of keeping his Grand Prairie home. In May, the 55-year-old and his wife talked to lenders about selling, then buying ... For this amount, the may charge you between $3,000 and $6,000. However, some lenders may offer zero points at a higher interest rate, which may significantly reduce your initial costs, although your payments may be somewhat higher.