Loan Estimate Fee Placement Chart - Items in RED Are Prepaid Finance Charge

Loan Estimate Fee Placement Chart - Items in RED are Prepaid Finance Charge

NOTE: Most* Fees need to be rounded to the nearest dollar; Percentages need to have at least 2 decimal

places. All legal fees must have the heading “Title”. All fees must be alphabetized.

Section A: Origination Charges

All are Zero Tolerance

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Administration Fee

Application Fee

Commitment Fee (NC)

Construction Administration Fee (CP and Reno Loans

Discount Points

Escrow Waiver Fee

Extended Lock Fee

Loan Origination Fee

Lock Extension Fee

Mortgage Broker Fee

BP Originator Compensation

Processing Fe

Rate Lock Fee

Underwriting Fee

Verification Fee

Wire Transfer Fee

Note: LP Compensation only shows on CD

Section B: Services You Cannot Shop For

All are Zero Tolerance

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Appraisal Fee

Appraisal Field Review

Appraisal Waiver Fee - PIW

Bond Admin Fee

Condo Certification/Questionnaire

Credit Report

Final Inspection

Flood Certification

Lenders Inspection Fee – Reno loans

Mortgage Insurance Premiums (single/UFMIP)

Subordination Fee

Tax Service Fee

VA Funding Fee

CP and Reno Fees for services completed post closing(Title, Recerts, Inspections)

Section C: Services You Can Shop For

10% Tolerance if borrower chooses lenders vendor – Not subject if borrower chooses own vender

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Pest inspection

Septic Inspection

Survey

Title-Attorney Fees

Title-Closing/Escrow Fee

Title-Courier Fee

Title-Document Preparation Fee

Title-ICL or CPL

Title-Lenders Title Insurance

(cannot be discounted)

Title-Notary Fees

Title-Post Closing Fee

Title-Title Binder

Title-Title Examination

Title-Title Search

Well Inspection

Section E: Taxes and Other Government Fees

All are Zero Tolerance

______

City/County Tax Stamps

County Transfer Tax

Deed Recording

FL Doc Stamps

GRMA (GA Loans)

Mortgage Recording

Release Recording

State Tax Stamps

Note: Seller required fees only show on CD

Section F: Prepaid Items

*Property Taxes are Zero Tolerance – all others are not subject to tolerance

*Fees cannot be rounded

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Condo HO-6 Insurance

Flood Insurance

Ground Insurance

Hazard Insurance

Homeowners Association Dues

Mortgage Insurance Premium

Other Tax Expense

Per-Diem Interest

Property Taxes*

School Taxes

Windstorm Insurance

Section G: Initial Escrow Payment at Closing

Not subject to any tolerance *Fees cannot be rounded

______

Aggregate Adjustment

Condo HO-6 Insurance Reserves

Flood Insurance Reserves

Ground Rent Reserves

Mortgage Insurance Reserves

Other Tax Expense Reserves

Property Tax Reserves

School Tax Reserves

Windstorm Insurance Reserves

Section H: Other (Fees not required by lender)

Not subject to any tolerance

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Condo Dues

Contractual Obligations

HOA Monthly Fees

Home Inspection

Home Warranty

Personal Property Purchase

Real Estate Commission

Realty Admin Fee

Short Sale Fee

Title-Owners Title Insurance

Section J: Total Closing Cost

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Lump Sum Lender Credits (not itemized by fee)

Note: There is no lender credit for LPC to show on LE or CD