Selected recent California newspaper editorialsContra Costa Times, CA -2 hours agoCalifornia is at the forefront of exotic home loans, the resulting crisis and ripple effects on unemployment and slowed consumer spending. ... For this amount, the lender 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.