除了前2項跟銀行有關，其他的都是escrow/title + 3rd party fee. 跟貸款機構無關跟你所在地區和你是如何negotiate your contract 有關。
Interest rate, you can always shop around, if market rate is 4.25% and you pay 1% origination fee to get 4% which is normal.
Compare apple to apple, you will find a deal.
