Many people who apply for and get loans pay additional cost. Most by law must be disclosed. However, a form of rip off that occures at Citibank is very shrewd. It occures in the closing statement. All cost are spelled out on the closing statement as required by law, BUT, when the actual mortgage papers and the amortization papers are signed the LOAN that's being amortized will be Larger than the AMOUNT TO BE FINANCED. Checking both the closing statement and the actual loan papers could prevent you from paying for something on top of the loan over a period of the loan. MOST charges must be disclosed! But there are several that can be added without you knowing the facts. A simple $600.00 for example could add a outragous windfall for the bank. More profit to buy more banks and charge just what they feel like charging.