2nd Lien Line of Credit on a Rental - Acceptable amount of fees?

[Allan Smith]

I'm renewing my LOC on one of my rentals with a local community bank through their commercial banking dept. They want 1% origination points plus a bunch of other usual fees like title work. They already did the title work when i got it originally, I'm not asking for an increase or anything. Real estate here has exploded in the 3 years since I got the LOC.

paying 5 - 7% in fees for a $95k or so LOC seems ridiculous to me??