You can reduce the cost of your loan by asking to have waived the fee or lowered.

A consolidation loan refinancing will transfer all these high interest debts to a long-term loan from much lower rates.
It may be time to think about refinancing your car and somewhat lower payments.
The premium for the higher load it used by the lender to cover the closing costs of the transaction.
If you found a beautiful old house sale for a pittance, beware there might be ghosts around.

Remember that all home loans refinancing are created equal, so you should shop around and compare the offers that come your way.