Mortgage loans can often include unexpected fees that can add up quickly. Many lenders charge an origination fee, which is a percentage of the loan amount. Additionally, some lenders require a prepayment penalty if a borrower pays off their loan early. Appraisal fees and closing costs can also be hidden fees in a loan agreement. Lastly, some lenders may require additional fees for certain services, such as underwriting, document preparation, and tax services. When looking for a loan, be sure to read the loan agreement carefully and ask questions to make sure you understand all of the fees associated with the loan.