You can find yourself hit with all sorts of crazy fees at closing time, some of them unnecessary or overinflated, says Bankrate. But how do you know what's reasonable? For a fee, natch, of $45 the National Mortgage Complaint Center (866-714-6466) will examine your fees and see if they're too high or out of the ordinary. You can also see how your fees compare with state averages.

Many closing costs negotiable [Bankrate]
(Photo: Getty)