Mortgage Yield Spread Premium (YSP) is a little known fee paid by lenders to any mortgage loan originator (your broker) that locks or closes your mortgage refinancing home loan with a higher than necessary interest rate. Think of YSP as a kickback from the lender to your broker for overcharging you. The problem with YSP is that it drives up your payments by hundreds of dollars every month for the entire duration of your home loan, costing you thousands of dollars unnecessarily in just a few short years. The good news is that now you’ve identified this unnecessary markup of your mortgage rate you can avoid paying for it and refinance your home with wholesale rates. These articles will show you how to save thousands of dollars on your next home loan doing just that.