Are these mortgage terms normal?

My GF and I have gotten a commitment letter on a 30 yr FHA fixed rate loan for 400K.

I think the fees/points seem high.

Commitment Fee – 1.0 point = $ 3,949.00
Discount Points – 1.5 points = $ 6,041.97
Underwriting Fee = $ 575.00

We both have low fica scores. 590-630

This is not a solicitation for anyone to get us a mortgage, all we are looking for is mortgage professional to give us an opinion on the fees.


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