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Default mortgage question

Please forgive this slightly off topic post, but since all of you are
homeowners, maybe you have some thoughts on this. I am going to
refinance in the near future, and I have a GFE with an origination fee
of 1%. Can anyone tell me just what an origination fee really is? Is
it like going to a car dealership and seeing "extra dealer markup" on
the sticker? Is the origination fee generally non-negotiable? Thanks
for your thoughts on this.
 
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