Many mortgages brokers justify their fee by saying they ...Mortgage loan processing is a confusing aspect of refinancing for many homeowners. Many brokers charge a fee as high as $500 or more; however, isn’t this just a junk fee? Contrary to popular belief, getting a home mortgage is quite simple. All you need in order to make the right decision is to who where to look, what to look for, and what takes place when you apply for a home mortgage. Knowing what to expect, especially if you are a first-time homebuyer, may make it easier for you to get through the process.