$3000+ in Loan Origination Charges - Closing in 2 weeks - HELP

[Varun Parkash]

Hello Folks, i am working with a major bank and they have charged me $3024 in Loan Origination Charges for a 250K loan.

$1234 = Rate extension lock fee

$1357= Prepaids

$477 = Appraisals

$1095 = loan processing fee

They took $1792 from me in Dec 2017 for appraisals and initial fee and fooled me by giving 3.875 but in reality my rate turns out to be 4.25 and it will take me 7+ years to recover all this fee ($3024 + 1234 = around $4300). It is a standard 30yr FHA with 20% down.

What are my best options now? My closing is in 2 weeks. 

[Wayne Brooks]

These are not “loan origination” they are closing costs.
Are you paying for two appraisals?
I’m guessing you needed more time, hence the reason for the rate kick extension fee. Nothing else looks out order.