Mortgage junk fees
I am getting a first mortgage on a house that I just built and moved in to. It is a no-doc loan and I understand I have to pay a premium for the mortgage.
Just got a list of the closing costs and I am amazed!
I can understand appraisals and title fees but what about:
Tax Service Fee: $65
Underwriting: $350 (this is probably fine but the next?)
Doc prep: $250
Closing Fee: $350
I'm not listing the ones like the title exam, recording, and flood check fees because they seem legit. Can I do anything about all of these fees or am I stuck? I am paying 3 points origination on top of these. The closing is next week.