It would not be uncommon to see both an origination fee and points if you were getting a rate below par. As previously mentioned, the details of the transaction are important to determine if it's excessive or not.... more
Won't find any loans given what you are looking for... Do you have to refi? Are current on your loans now? If you are current and these are loans owned by Fannie Mae or Freddie mac you MAY be able to do a streamline refi... I do not think you qualify since they are not owner occupied but worth a look..
If you are behind and need to discuss options rather than foreclosure please give me a call and we can discuss options.