Open Question: Edit - Is My Refinance Closing Costs to High in San Antonio, TX?

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Are my (edit)refinance closing costs to high ?Here are the costs:Loan Amount: $122,003Interest Rate: 5.875%Loan Origination Fee: (1%) 1,202.00Loan Discount: (2%) 2,440.06Appraisal Fee: 375.00Credit Report: 26.50Tax Related Service Fee: 400.00Processing Fee: 725.00Closing or Escrow Fee (FHA) 425.00Title Insurance: 700.00Tax Certificates: 40.00Endorsements: 84.00Titles Delivery Fee: 25.00Policy Guarantee: 1.00Recording Fee: 110.00(Items required by lender to be paid in advance)Interest for 23 days: 457.93Mortgage Insurance Premium: 1,803.00Hazard Insurance Premium: 792.96(Reserves deposited with lender)Hazard insurance Premium: 198.24Taxes and assessment reserves: 1,003.80Aggregate adjustment: -401.52estimated closing cost: $10,407.97The loan office said it would probably be 2K less than quoted but still is 8K-10K high for closing? Sorry for earlier post I thought refinance was stated and I'm not sure if refinancing can make it higher. Thanks!Jason those are good questions - I believe they went stated income im not sure what full doc is. They have not had the house appraised yet. Also I am unsure what my FICO score is. How much effect does each of those have on the total refinance closing cost? Can it add thousands of dollars more?Thanks for your suggestions - I may need to shop around a little more. I did give the guy a $350 check for the appraisal fee which he has already deposited but the appraisal has not happened yet - I hope I can get that check back if the deal falls through.


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