That's high and it sounds as if you are getting screwed. The broker is betting on the fact that at this late date, you are not going to walk away.

The 1 point origination on an FHA loan is standard and allowed by FHA. I have never seen $2000 in processing and admin. fees, but as a disclaimer I am not in California. The MIP…again that it is standard and the rates are based by FHA. As for the "mandatory" discount points…who made them mandatory? If the broker is trying to say that he does and it was not on the initial signed GFE then that is illegal and he has to honor the signed one. If it is something for the lender (maybe to buy your rate down) it still should have been on the initial GFE, but if you told them not to lock in your rate, there may not be anything you can do about that.

Personally, I would find another broker. FHA K's do take a long time, so you're probably going to extend the process about a month, but I would prefer that to knowing I got screwed.

And as far as going after him later…Why? It will take forever and it will cost more money then you would even get back. But, I would report him to the state, federal and FHA departments that he is licensed with.