How to assume the mortgage of a troubled homeownerMarketWatch -Aug 21, 2008My credit union (which made the original loan) does not do re-fis on four-unit dwellings. I tried going to Bank of America and another lender but they are ... 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.