Lenders raising down paymentsabc7news.com, CA -12 minutes agoBy Michael Finney It was not long ago that you could buy a home with nothing down. You know those days are over, but you have no idea how tight the credit... This is also perhaps why mortgage brokers charge high for closing fees. A percentage of the closing fee you pay on a mortgage goes to the mortgage broker's personal funds. This, along with a few more fees, stands as their salary.