I am refinancing and wanting some help with defining fees?
$3500 is fairly cheap in my opinion. The only thing I would all to the others is look at the origination fee, mortgage broker fee, and discount fee. Many times the guys giving the rest of us a bad name put money or points in all 3 areas to confuse the customer when in fact it is all going to the same place- their pocket. The exception being if you are truly getting a discounted rate- which is highly doubtful.
Everything you listed in your question is standard and it all has to be paid- most does not go to the loan officer but to other entities involved in the process.
I'm curious what rate and terms you're getting onthe loan and the purpose of the loan as well. Some people get so involved in the fees they don't check the rate to see if it is good or not.
I'd be happy to check over your GFE and let you know if it looks fair or where you might want to negotiate a little.