... become the lender of first resort and will be allowed to enter real estate investing themselves, albeit at the local level. Pretty soon, Uncle Sam will be collecting not only your taxes, but your and mortgage payments as well. 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.