help needed! XDJM help me!

sorry for typing in english. I am in VA, applying for a loan now , will settle in 30 days. the agent is a chinese. give us fixed 30 years first loan (80%)for 6.5%.(locked two weeks ago) the sencond loan (15%)is 7.875%, fixed,the question is 1,if close the second loan account in three year there is a penalty. I said I wanted a no penalty loan. she said that was impossible to find a sencond loan without three years penalty.Is this the truth???????? 2, today he fax me the good faith estimate, the first loan item fee appraisal fee 280 credit 20 tax related service fee 80 processing fee 500 underwriting fee 650 wire tranfer fee 15 ----- title charge closing 200 document fee 200 notary 200 attorney fee 100 title insurance 1850 ---- government recording recording 80 city tax 700 state tax 2100 --- additional settlement charge pest inspection 40 survey 250 --------------------------------------------- estimated closing cost 7200 ---- prepay hazard insuance premium 850 ---- reserve deposited hazard insurance 6 month 420 tax 6 month 1920 -------------------------------------- estimated prepaid item 3500 the fist loan total 1,0650 -------------------------------------- the sencond loan closing cost is 800 underwriting fee 250 closing fee and escrow fee 200 document fee 200 recording 40 intrest 80 is this good?? what should I read ? please help. what should I pay attention to? this is our first time to work with a loan agent. need advise! thanks!