Are you asking or informing?
It sounds like you're informing as you have the terms. 6.125% for a 15 year term sounds normal in the current market.
I don't consider buying points and loan origination fee as "loan costs." They are actually mathematically part of the actual interest rate you're paying for the mortgage. If you're buying points, you're paying for "lower" interest rate which mathematically equates to the same or with some unscrupulous finance people, higher interest rate. Origination fee means they're not loaning you the full loan amount, the full loan amount they're supposedly giving you is lessened by the origination fee you're paying.
I give you a loan of $100,000 with an origination fee of 1%. So you give me $1,000 and I supposedly fund the $100k loan for you. You pay the interest rate on the $100k loan amount but $1k of that loan amount was the origination fee you paid.
I always say I want the straight APR with no origination fees or points so I can easily compare it with other mortgage rates. I can do the math and condense the origination fees and points into the APR but I'd rather not.
Loan costs would be escrow fee, title fee, documentation, notary, etc. Those things that are related with the house purchase and not part of the financing mumbo jumbo terms that confuse consumers and shake more money from them.
"It did not really matter what we expected from life, but rather what life expected from us. We needed to stop asking about the meaning of life, and instead to think of ourselves as those who were being questioned by life – daily and hourly. Our answer must consist not in talk and meditation, but in right action and in right conduct. Life ultimately means taking the responsibility to find the right answer to its problems and to fulfill the tasks which it constantly sets for each individual." Viktor Frankl, Man's Search for Meaning, 1946.
