There are no points. There is a low one-time processing fee due at the time of disbursal for a Refinance Mortgage Loan, which can be financed into the loan or paid out of pocket. There are no processing fees for Home Equity Loans. For all loan types, appraisal fees in excess of $500 and recording fees in excess of $200 will be the responsibility of the borrower. Appraisal fees are generally less than $500. Recording fees in most states are under $200. States with high recording fees include, but are not limited to: CA, NY, MD, KS, FL, VA, and the Parish of Orleans in LA. Please contact the Credit Union for more information.