The customer gets a rate of 6.25% with 1% YSP. The customer-paid fees will be my $495 PLUS the third party $4,000 for a total of $4,495. The lender will pay me (the Mortgage Broker) the other $4,000 of my fee. the borrower really pays it in the form of a higher interest rate. America’s #1 Mortgage Broker offers advice about mortgage finance.. Another good source for understanding how to is from Jack Guttentag, a retired professor from the Wharton School of Business at the University of Pennsylvania (in my hometown of Philadelphia) . Jack has a website called ..