GFE help please (PMI, loan, credit report, fee)

[ana_901]

In short
Both credit scores 720-750 no other debt. Purchased home 2yrs ago.
100% 6.875 interest.
Applied for refinance 12/31/08 still have not closed "due to high volume"
Thinking able to "ask" for somekind of a break, but I need to be specific with out losing the loan. So what seems out of line or too high in your mind?
GFE 30 years Conventional 4.875% 89.714 LTV no cash out Refinance
801 no Loan Origination Fee
802 Loan Discount Fee 1.625 = 2551.25
803 Appraisal/Property Evaluation Fee 248.00
804 Credit Report 2.00
808 Tax Service Fee 82.00
811 Application Fee 400.00
815 Flood Determination Fee 11.00
1100. Title Charges
1101 Closing Fee 630.00
1125 Courier Fee 35.00

[AndrewSoss]

Originally Posted by ana_901

In short
Both credit scores 720-750 no other debt. Purchased home 2yrs ago.
100% 6.875 interest.
Applied for refinance 12/31/08 still have not closed "due to high volume"
Thinking able to "ask" for somekind of a break, but I need to be specific with out losing the loan. So what seems out of line or too high in your mind?
GFE 30 years Conventional 4.875% 89.714 LTV no cash out Refinance
801 no Loan Origination Fee
802 Loan Discount Fee 1.625 = 2551.25
803 Appraisal/Property Evaluation Fee 248.00
804 Credit Report 2.00
808 Tax Service Fee 82.00
811 Application Fee 400.00
815 Flood Determination Fee 11.00
1100. Title Charges
1101 Closing Fee 630.00
1125 Courier Fee 35.00

Is this with PMI or is the PMI built into the rate? If it's built into the rate, then this is a good quote, if not, then the discount fee is about 1% too high, IMO.

[ana_901]

I have to pay PMI seperately.
Thank you. I will inquire with the lender.

[AndrewSoss]

Originally Posted by ana_901

I have to pay PMI seperately.
Thank you. I will inquire with the lender.

4.875% today should be close to zero points, maybe .50% at the worst if you have a smaller loan amount.

[dad2jules]

Based on a quick calculation your loan amount is about $160k. No more than .5% discount.

[ana_901]

Not far off on your calculations...157.000.
Thank you all. I have sent a message to the processor and will see what she says.