Points are prepaid interest. :)

Legal Shield (formerly pre-paid Legal) quoted $300 which is a 25% discount to what they usually charge. 

for a primary residence LTV is 80% cash out refinance80% of 105,000 is $84,000 cash out amount (minus closing costs)If for example you paid 50k cash and 55k heloc to pay for it, then that would result in us first paying off the 55k heloc, and leaving $29k and a zero balance on the HELOC"The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV, CLTV, and HCLTV ratios for the cash-out transaction based on the current appraised value)."

"RCW 59.18.352Threatening behavior by tenant—Termination of agreement—Written notice—Financial obligations.If a tenant notifies the landlord that he or she, or another tenant who shares that particular dwelling unit has been threatened by another tenant, and:(1) The threat was made with a firearm or other deadly weapon as defined in RCW 9A.04.110; and(2) The tenant who made the threat is arrested as a result of the threatening behavior; and(3) The landlord fails to file an unlawful detainer action against the tenant who threatened another tenant within seven calendar days after receiving notice of the arrest from a law enforcement agency;then the tenant who was threatened may terminate the rental agreement and quit the premises upon written notice to the landlord without further obligation under the rental agreement.A tenant who terminates a rental agreement under this section is discharged from payment of rent for any period following the quitting date, and is entitled to a pro rata refund of any prepaid rent, and shall receive a full and specific statement of the basis for retaining any of the deposit together with any refund due in accordance with RCW 59.18.280.Nothing in this section shall be construed to require a landlord to terminate a rental agreement or file an unlawful detainer action."

I provide you with the prepaid overnight label to get the docs back to me.

When we moved two mortgages to TD last year, we pre-paid a chunk of principle along with our first payment and now are eligible for a "mortgage vacation" of up to six payments.  

Also a lot of what you paid is prepaid charges for insurance and taxes so those aren't really fees but just inpounds as that money will be used to pay your bills.

and (3) NOTICE OF CANCELLATION, IF GIVEN BY MAIL, IS EFFECTIVE WHEN DEPOSITED IN THE UNITED STATES MAIL, PROPERLY ADDRESSED, WITH POSTAGE PREPAID.

It prevents issues afterwards such as "I gave two months security", or "I prepaid my rent last month".This is something your closing company should be able to handle, if not, your own attorney can draw one up. 

I purchase a home I was living in that was foreclosed on and because I was so difficult with the bank they would not sell me the home it sat on the market and auction after auction with no bids because we had a 5 year  pre-paid lease and the only way we could be evicted by law was is if a owner occupier bought the house .