[LHarveyMadman]

Yeah, your situation really seems off. I'll see if I can contact my LO friend to see what he thinks about the YSP+point thing, but he's really busy and hard to reach. Maybe you could have NACA take a look at your loan papers and render their opinion.

When I closed on my loan a few years ago, there were all sorts of little fees here and there that bumped up the closing costs. So irritating. I found out later that a lot of those fees are negotiable, but I bought back when the housing market was still relatively hot and haggling over those fees probably would have impeded my closing and quashed the sale. $100 notary fee? The local UPS station does it for $10.