The origination fee is how lenders make money up front on your mortgage loan. Origination fees are calculated as a percentage of the total loan, usually between 0.5 and 1 percent on U.S. mortgages [source: Investopedia ]. Going back to our APR example, let's say that the second lender charges a 3 percent origination fee, plus an application fee and other costs totaling $3,820 at closing.
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If you omit /s, xcopy works within a single directory. /e: Copies all subdirectories, even if they are empty. Use /e with the /s and /t command-line options. /t: Copies the subdirectory structure (that is, the tree) only, not files. To copy empty directories, you must include the /e command-line option. /k: Copies files and retains the read-only attribute on destination files if present on the source files. By default, xcopy removes the read-only attribute. /r: Copies read-only files. /h: Copies files with hidden and system file attributes.