Refinancing: Am I Being Ripped Off?

[Brian Bistolfo]

Hi All,

Just got my loan package back from a lender and the fees for this refinance seem very high.  Can anyone provide some context on whether all this stuff is reasonable?

My credit score: 760

Subject property: SFH in the KCMO area, 105k appraised value, doing a no-cash-out refi, plan to hold long-term. I have an existing interest-only private mortgage for 81.5k at 8%...that's what this refi is for.

Conventional loan, 30 year, investment property. 6.00% interest rate, 5.50% with $815 fee for discount points. This seems pretty high even with the recent increases. Roughly 79% LTV.

Can someone look at the fees (see attached images) and tell me whether I'm paying way over what I should?  It's a low loan amount and maybe a bit complex, so not every lender is willing to do it...but I feel like I might be getting ripped off.

Any insight is much appreciated.  Thanks all!