Besides the ridiculous origination, processing and underwriting fee (Which I will relentlessly negotiate down), there are following fees I don't understand.  
  What are:  
  Document Fee - 175
  Wire Fee - 50
  Final Inspection - 100
  Funding Fee to US Bank - 300
  EhousingPlus Funding Fee - 225
  Tax Service - 85  
  Are these fees legit? Or Just a way for a lender to rip off money from me?  
  Thanks in advance!
  Read more: 
What are Funding Fee to US Bank and EhousingPlus Funding Fee, in GFE mortgage loan?