Subprime loan question?

How do I know if I have been offered a sub-prime loan?
I need to know this before I confront my mortgage. My fico score is around 601, I make a decent living income over 60,000 a year. I received a good faith estimate with an interest rate of 6.50. Loan amount 185,000. However I have no details as to what type of loan the GFE says conventional and 30 year fixed. Why is pre=paid interest of $ 517 on this GFE

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