Make hay while the sun shines my friend! Banks seem to be in a festive mood these days. Everyone is reducing interest rates, waiving off processing fee and what not.
Your answer is in your question itself! Some banks are giving 0% processing fee. So, be a smart customer. Go to multiple banks and tell each of them that the other bank is giving you loan at 0% processing fee. Competition is so bad that they will all agree for fee waiver!