The real question I have for you is what is your middle FICO and what rate are you being quoted or are you 'locked' right now? That would help paint a more complete picture of what your truly getting with your loan.
Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
5% should be plenty. What is the concern?
The fees look to be reasonable. The admin fee probably covers the processing and underwriting fees which are normal. The bigger question is, what interest rate are they charging you?