Help me figure out the BS charges on the closing costs my mortgage:

[Rafael Floresta]

Here is a scan of my closing costs. 

I know a lot of those are legit, but the settlement charge seems really high, and also the survey. And the Document preparation fee, seems BS. I am already paying for real estate agent and mortgage broker, isn't it their job?

[David DuCille]

Originally posted by @Rafael Floresta:

Here is a scan of my closing costs. 

I know a lot of those are legit, but the settlement charge seems really high, and also the survey. And the Document preparation fee, seems BS. I am already paying for real estate agent and mortgage broker, isn't it their job?

 They look pretty legit to me.  When a mortgage lender puts one "origination charge" fee, people ***** and want to know what they are paying for.  But here when they break it down (underwriting fee, doc prep fee, admin fee) people get upset too.   

You have the right to shop and pick the surveyor of your choice so if you think that is high that is on you to get another surveyor.  I am in Florida and normally pay around $300 for a survey but in your locale $500 could be the going rate.  Obviously the price is going to vary based on the size of the lot.    Lastly, as for the settlement fee, here in Florida as it pertains to title insurance jts nornally seller picks and seller pays so if you are the buyer and my title company is setting the fee.