As an analogy if you went to a mortgage company and they charged...

As an analogy if you went to a mortgage company and they charged you 8% of your loan amount straight up as a finders fee to refinance your house before the bank interest rate at say 3% above LIBOR kicked in would you walk out the door or would you continue the negotiation ?
Even 300 points up front let alone 800 would be hard to swallow I would have thought , just my opinion although spent a few years in the industry in California with sub prime .