re: Mortgage Question

those are standard fee. for title insurance you have to have lenders title insurance but at closing you can opt out of owners title insurance. all title company's are within a $150 difference.
cost of appraisal will run $475 and you'll want to get a termite certificate, that can range from $55 to $105 depending on who you use.

junk fee's, origination/points, application, credit report and even a processing fee is considered junk fees.

for setting up your escrow, lender will collect min 15 months of homeowners insurance, and about 5 to 7 months of reserves for property taxes.
who is the broker that sent you their feee sheet.