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Questions on Mortgage Settlements Costs

Are Settlement Services Overpriced?
Why Has the Real Estate and Settlement Procedures Act of 1974 (RESPA) Failed to Reduce the Cost of Settlement Services?
What Is Needed to Reduce the Cost of Settlement Services?

Why Is it Not a Good Idea for Shoppers to Compare the Total Settlement Costs Quoted by Lenders? What Specific Items Should Be Included in the Settlement Costs For Which You Shop? What Specific Items Should Not Be Included in the Settlement Costs For Which You Shop?

 In Shopping Settlement Costs, Why Does it Matter Whether You Are Dealing With a Lender or a Mortgage Broker?

Why Do Lenders Itemize Loan Charges?

Are There Some Unreasonable Settlement Costs That I Should Be Able to Bargain Down?

Why Do Lenders Charge Origination Fees?
Should Origination Fees Be Added to Points in Making Price Comparisons?

What Are "Junk Fees"? What Makes Them "Junk"?
Why Do They Confuse Borrowers? How Should Borrowers Deal With Them?

How Do You Use the APR Calculator to Estimate Junk Fees?

How Do Borrowers Pay For "No-Cost" Mortgages?
Why Do Borrowers Usually Pay Too Much?

In Shopping the Web, Which Category of Settlement Costs is Likely to be Quoted Accurately, and Which Should Be Viewed With Skepticism?

Does a Rule Prohibiting Lenders From Marking Up the Price of Services Purchased From Third Parties Protect Borrowers?
  How Can Borrowers Protect Themselves Against Unwarranted Markups?

Why Does the Good Faith Estimate of Settlement Fail to Protect Borrowers?
  What Could Be Done to Improve It?

What Recourse Does a Borrower Have Who Has Received a Good Faith 
Estimate Made in Bad Faith?

Is There a Short List of Do's and Don't For Dealing with Settlement Costs?

What Are Referral Fees? What Is Referral Power? Why Are Referral Fees Considered Bad? Why Are They So Common in the Home Mortgage Market? Do Referral Fees Raise Settlement Costs to Borrowers? Has RESPA Succeeded in Eliminating Them? How Can Settlement Costs Be Reduced?

What Is the Case For HUD Modifying Its Rule Against Marking Up Third Party Settlement Fees?

MY QUESTION IS NOT HERE.  I WOULD LIKE TO LEAVE IT FOR THE PROFESSOR