The fees may vary by state so it is not easy to answer. In Minnesota I would estimate 2.25% of the loan for a quick and dirty. Minnesota has a mortgage registration tax, your stae may not or may have other fees.
Ask the lender for a good faith estimate, get an apr and get quotes from more than one company. One company may have a lower rate but more expensive costs.
Also the scenario you are giving is a cash out refinance. Fannie mae considers these higher risk loans and charge a higher rate depending on the loan to value. Some larger companies negotiate or eat the added risk. Example, most investors at a 75% loan to value will charge a 0.5 discount for the cash out portion (or a $1,000 to get the same rate as not having a cash out). Bank of America at 75% doesn't have this fee. Right now Bank of America in the broker world is running some of the best rates out their. Ask a broker if they represent Bank of AMerica.
Also, after you have locked in a rate and lender fees, if you go to closing and the rate and fees are not exactly like you were quoted, tell the broker you are going to recind and you will legally be entitled to any fees you have paid including the appraisal. The broker can not control fees like title company fees (you can shop those fees also and direct the broker to the title company you want.
GL
Northern Star
