How many times do you check you restaurant bill? If not often, I would advise you to do it more, especially when dining on your overseas vacations. Still, much more Americans check their restaurants bill, than the number of homebuyers, who check the charges for their mortgages.There are two popular misconceptions about the mortgage surcharges. First – the charges are all the same because of the competition. Second – there is nothing we can do about it, so why bother?They are both wrong. The char.