Those charges are high , but not unusually so they ' re basically charging you about a 1 % origination fee in exchange for that rate . Edit missed the lender credit . So they ' re not really charging you those anyway . Rates went up recently , so you ' re not getting the deal you would have got a month ago . You don ' t get to pick and choose how to do things like fund the escrow account , you can ' t make contributions to that . All you can do is provide more cash when you refinance to lower the increase in amount financed . Pay them now , or pay them later . Your old loan probably has mortgage insurance baked into the rate . <| sep |> I play Tron and I ' m pissed for the eye ban ! <| sep |> My idea was going for a 3 start TheresaAriel and then just either get my diamonds up little by little to start upgrading their stars or MAYBE just maybe I would star them up later buy getting more gems . Also forgot to mention that I ' ve started in a fresh server , so level 80 is still pretty far away