Bear Stearns posts 4Q lossSan Jose Mercury News, USA -4 minutes ago5 US investment bank, said Thursday a bigger-than-expected writedown of its mortgage portfolio caused a substantial quarterly loss. The quarterly loss after ... 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.