If Paid to: / Include / In / Test
Fees Listed on HUD-1 / Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
2nd Second Mortgage Fee / Yes / Yes / Yes / Yes / Yes / Yes
Abstract or Title Search / No / No / No / No / Title Fee / No / No
Admin/Courier/FAX/Copy Fee / Yes / Yes / Yes / Yes / Same as overnight, express mail or delivery service fees / Yes / Yes
Administration Fee / Yes / Yes / Yes / Yes / Yes / Yes
Affidavits / Yes / Yes / No / Yes / Not a finance charge if for affidavit recording paid to a gov’t entity or for doc prep / Refer to APR test / Yes / Do not include if not a finance charge
Amortization Schedule Fee / Yes / Yes / Yes / Yes / Yes / Yes
Annual Fee / Yes / Yes / Yes / Yes / HELOC – not a finance chg unless based on useage – For CE always a finance charge / Yes / Yes
Application Fee / Yes / Yes / Yes / Yes / Yes / Yes
Appraisal Desk Review / Yes / Yes / Yes / No / NOT a finance charge if paid to an appraiser / Refer to APR test / No
Appraisal Fee / No / No / No / No / No / No
Appraisal Field Review / Yes / Yes / Yes / No / NOT a finance change if paid to an appraiser / Refer to APR test / No
Appraisal Review / Yes / Yes / Yes / No / NOT a finance charge if paid to an appraiser / Refer to APR test / No
Assignment Recording Fee / Yes / Yes / Yes / Yes / Yes / Yes
Assumption Fee / Yes / Yes / Yes / Yes / Yes / Yes
Attendance Fee
Attorney’s Fee / Yes / Yes / Yes / Yes / Same as settlement, escrow or closing / Yes / No
If / Paid / To / Include / In / Test
Fees Listed on HUD-1 / Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
Automated Underwriting / Yes / Yes / Yes / Yes / Yes / Yes
Automated Valuation Model (AVM) / Yes / Yes / Yes / Yes / Yes / YES
Broker Admin Fee / Yes / Yes / Yes / Yes / Yes / Yes
Broker Appraisal (BPO) / Yes / Yes / Yes / Yes / Yes / Yes
Broker Fee / Yes / Yes / Yes / Yes / Yes / Yes
Broker Processing Fee / Yes / Yes / Yes / Yes / Yes / Yes
Building Permit / No / No / No / No / No / No
Cancel Existing Loan Fee / Yes / Yes / Yes / Yes / Yes / Yes
Certificate of Release / Yes / Yes / No / Yes / NOT a finance chg is paid by someone other than the borrower / Refer to APR test / Yes
Certified Copies to Registry / No / No / No / No / Title Fee / No / No
Check Processing Fee / Yes / Yes / Yes / Yes / Yes / Yes
City Property Taxes / No / No / No / No / No / No
City/County Tax Stamps / No / No / No / No / No / No
Closing Fee / Yes / Yes / Yes / Yes / Same as settlement, escrow or attorney / Yes / Yes
Closing Letter / Yes / Yes / Yes / Yes / Yes / Yes
Closing Protection Letter / Yes / Yes / Yes / Yes / Not finance chg. In AR, LA, MO, NJ, NC, OH & PA if imposed by title company for issuing CPL / Yes / Yes
Closing Service Letter / Yes / Yes / Yes / Yes / Yes / Yes
Combo Fee / Yes / Yes / Yes / Yes / Yes / Yes
Commitment Fee / Yes / Yes / Yes / Yes / Yes / Yes
Compliance Cert/Reg Copy / Yes / Yes / Yes / Yes / Yes / Yes
Concurrent Jr Mtg Escrow / Yes / Yes / Yes / Yes / Yes / Yes
Condo Questionnaire Fee / Yes / Yes / Yes / Yes / Yes / Yes
If / Paid / To / Include / In / Test
Fees Listed on HUD-1 / Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
Construction Admin Fee / Yes / Yes / Yes / Yes / Yes / Yes
Copy or FAX Fee / Yes / Yes / Yes / Yes / Yes / Yes
County Property Taxes / No / No / No / No / No / No
County Surcharge Fee / No / No / No / No / No / No
County Taxes / No / No / No / No / No / No
Courier Fee / Yes / Yes / Yes / Yes / Same as overnight, express mail or delivery fees / Yes / Yes
Credit Report / No / No / No / No / No / No
Deed of Trust Release / Yes / Yes / No / Yes / Not a finance charge if paid to a government entity / Refer to APR test / Yes / Do NOT include if this is NOT a finance charge
Deed Prep Fee / No / No / No / No / No / No
Desktop Underwriter Fee / Yes / Yes / Yes / Yes / Yes / Yes
Digital Docs / Yes / Yes / Yes / Yes / Yes / Yes
Disbursement Fee / Yes / Yes / Yes / Yes / Yes / Yes
Discharge of Mortgage / Yes / Yes / No / Yes / Not a finance charge if paid to a government entity / Refer to APR test / Yes / Do NOT include if this is NOT a finance charge
Discount Fee / Discount Pts / Yes / Yes / Yes / Yes / Yes / No / Anything above 2 pts is include in finance charge
Document Imaging / Yes / Yes / Yes / Yes / Yes / Yes
Document Service Fee / Yes / Yes / Yes / Yes / Yes / Yes
Document Fee / Yes / Yes / Yes / Yes / Not a finance chg. If for doc prep and reasonable in amt. / Yes / Yes / Do NOT include if this is NOT a finance charge
Doc Fee (E-Mail or Processing) / Yes / Yes / Yes / Yes / Yes / Yes
If / Paid / To / Include / In / Test
Fees Listed on HUD-1 / Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
Document Preparation / NOT a finance chg. If for doc prep and reasonable in amt. / Refer to APR Test / Refer to APR test / If test indicates it is finance chg. Then include in HOEPA and GSE
Document Processing / Yes / Yes / Yes / Yes / Yes / Yes
Document Review / Yes / Yes / Yes / Yes / Yes / Yes
Draw Fee / Yes / Yes / Yes / Yes / HELOC fee to draw / N/A / Yes
Draw Fee (Doc Prep) / Yes / Yes / Yes / Yes / NOT a finance chg. If for doc prep and reasonable in amt. / N/A / Yes
E-Doc Fee
DU/LP Fee / Yes / Yes / Yes / Yes / Yes / Yes
Electronic Doc Delivery Fee / Yes / Yes / Yes / Yes / Yes / Yes
Electronic Recording Fee / Yes / Yes / Yes / Yes / Yes / Yes
Endorsements / No / No / No / No / Title / No / No
Environmental Protection Lien / No / No / No / No / Title / No / No
Escrow Fee / Yes / Yes / Yes / Yes / Same as Settlement or Closing / Yes / Yes
Escrow Waiver Fee / Yes / Yes / Yes / Yes / Yes / Yes
Express Mail Fee / Yes / Yes / Yes / Yes / For overnight, shipping or handling / Yes / Yes
FAX Fee / Yes / Yes / Yes / Yes / Yes / Yes
FHA MIP / Yes / Yes / Yes / Yes / Yes / Yes
FHA MIP Impounds / Yes / Yes / Yes / Yes / Yes / Yes
Filing Fee / Yes / Yes / Yes / Yes / Yes / Yes
Finance Charges / Yes / Yes / Yes / Yes / Yes / Yes
Flood Fee (if cert is NOT LOL) / No / No / No / No / NOT a finance charge if for upfront flood determination only
Flood Fee (if cert IS LOL) / Yes / Yes / Yes / Yes / Finance charge if part of fee is for life of loan monitoring / Yes / No
If / Paid / To / Include / In / Test
Fees Listed on HUD-1 / Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
Flood / Hazard Insurance Premiums / No / No / No / No / No / No
Funding Fee / Yes / Yes / Yes / Yes / Yes / Yes
Government Service Fee / Yes / Yes / Yes / Yes / Yes / Yes
Hazard Insurance Premium / No / No / No / No / No / Yes
HELOC Fees / Yes / Yes / Yes / Yes / Yes / Yes
HOA Dues / No / No / No / No / No / Yes
Imaging Fee / Yes / Yes / Yes / Yes / Yes / Yes
Lender Fee / Yes / Yes / Yes / Yes / Yes / Yes
Lender’s Inspection Fee / Yes / Yes / Yes / Yes / Not a finance chargeif for an inspection of the property & the service if performed before closing / Yes / Yes
Lien Search / No / No / No / No / Title Fee / No / No
Loan Discount / Yes / Yes / Yes / Yes / Yes / Yes
Loan Fee / Yes / Yes / Yes / Yes / Yes / Yes
Loan Origination Fee / Yes / Yes / Yes / Yes / Yes / Yes
Loan Package Fee / Yes / Yes / Yes / Yes / Yes / Yes
Loan Review Fee / Yes / Yes / Yes / Yes / Yes / Yes
Loan Tie-in Fee / Yes / Yes / Yes / Yes / Yes / Yes
Lock in Fee / Yes / Yes / Yes / Yes / Yes / Yes
MCC Application Fee / Yes / Yes / Yes / Yes / Yes / Yes
MCC Fee to Agency Fee / Yes / Yes / Yes / Yes / Yes / Yes
MERS Fee / Yes / Yes / Yes / Yes / Yes / Yes
Messenger Fee / Yes / Yes / Yes / Yes / Same as overnight, express mail or delivery fees / Yes / Yes
Misc. Lender/ Broker Fee / Yes / Yes / Yes / Yes / Yes / Yes
If / Paid / To / Include / In / Test
Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
Mortgage Certification Fee / Yes / Yes / No / Yes / NOT a finance charge if paid to a gov’t. entity for recording. If anything is chg’d. above county charges, then a finance chg. / Refer to APR test / Yes / Do not include if not a finance charge.
Mortgage Fee / Yes / Yes / Yes / Yes / Yes / Yes
Mortgage Ins Application Fee / Yes / Yes / Yes / Yes / Yes / Yes
Mortgage Insurance Impounds / Yes / Yes / Yes / Yes / Yes / No
Mortgage Insurance Premiums / Yes / Yes / Yes / Yes / Yes / No
Mortgage Insurance Service / Yes / Yes / Yes / Yes / Yes / Yes
Mortgage Registration Tax / No / No / No / No / No / No
Mortgage Tax to Title / Yes / Yes / No / Yes / Refer to APR test / Yes / Do not include if not a finance charge.
MRB Funding Fee / Yes / Yes / Yes / Yes / Yes / Yes
Notary / Signing / Yes / Yes / Yes / Yes / The notary FEE is not a finance chg. but the signing fee is. If the fees are combined the total IS. / Yes / Yes / Do not include if not a finance charge.
Notary Fees / No / No / No / No / No / No
Origination Fee / Yes / Yes / Yes / Yes / Yes / Yes
Owner’s Coverage / No / No / No / No / Title Fee / No / No
Payoff Service Fee / Yes / Yes / Yes / Yes / Yes / Yes
Per Diem / Interest / Yes / Yes / Yes / Yes / Yes / Yes
Pest Inspection / No / No / No / No / No / No
Post Closing Fee / Yes / Yes / Yes / Yes / Yes / Yes
Private Mortgage Insurance / Yes / Yes / Yes / Yes / Yes / Yes
Private Mtg. Insurance Impounds / Yes / Yes / Yes / Yes / Yes / Yes
If / Paid / To / Include / In / Test
Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
Processing Fee / Yes / Yes / Yes / Yes / Not a finance chg. if paid to Nehemiah as a cost for getting the grant, this is not a cost in connection with the loans / Yes / Yes
Property Inspection Waiver / Yes / Yes / Yes / Yes / Yes / Yes
Quality Assurance / Yes / Yes / Yes / Yes / Yes / Yes
Quit Claim Deed / No / No / No / No / No / No
Recording / Filing Fee / Yes / Yes / Yes / Yes / NOT a finance charge if paid to a government entity / Refer to APR test / Yes
Record Mortgage / Yes / Yes / NO / Yes / NOT a finance charge if paid to a Government entity for recording. Anything charged above county fee is finance chg. / Refer to APR test / No
Record Request for Notice / Yes / Yes / No / Yes / NOT a finance charge if paid to a Government entity for recording. Anything charged above county fee is finance chg. / Refer to APR test / No
Record Warranty Deed / Yes / Yes / No / Yes / NOT a finance charge if paid to a Government entity for recording. Anything charged above county fee is finance chg. / Refer to APR test / No
Recording Fees / Yes / Yes / No / Yes / NOT a finance charge if paid to a Government entity for recording. Anything charged above county fee is finance chg. / Refer to APR test / No
If / Paid / To / Include / In / Test
Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
Recording Handling Fees / Yes / Yes / No / Yes / NOT a finance charge if paid to a Government entity for recording. Anything charged above county fee is finance chg. / Refer to APR test / No
Recording Satisfaction Fees / Yes / Yes / No / Yes / NOT a finance charge if paid to a Government entity for recording. Anything charged above county fee is finance chg. / Refer to APR test / No
Recording Service Fees / Yes / Yes / No / Yes / NOT a finance charge if paid to a Government entity for recording. Anything charged above county fee is finance chg. / Refer to APR test / No
Release Fee / Yes / Yes / Yes / Yes / Yes / Yes
RHS Guarantee Fee / Yes / Yes / Yes / Yes / Yes / Yes
Scan Fee / Yes / Yes / Yes / Yes / Yes / Yes
Service Fee / Yes / Yes / Yes / Yes / Yes / Yes
Settlement or Closing / Yes / Yes / Yes / Yes / Yes / Yes
Signing Fee / Yes / Yes / Yes / Yes / Yes / Yes
Simultaneous Second / Yes / Yes / Yes / Yes / Yes / Yes
State Documentary Transfer Tax / No / No / No / No / No / No
State Tax Stamps on Mtg / No / No / No / No / No / No
State Tax/Stamps / No / No / No / No / No / No
Subordinate Fee / Yes / Yes / Yes / Yes / Yes / Yes
Sub-escrow / sub-title fee / Yes / Yes / Yes / Yes / Yes / Yes
Survey / No / No / No / No / No / No
If / Paid / To / Include / In / Test
Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
Tax Certificate Fee / Yes / Yes / No / Yes / Not a finance charge if paid to a govt entity for a tax imposed on the borrower by the govt entity. If the tax is imposed on the lender and passed to the borrower it is a finance charge / Refer to APR test / Yes / Do NOT include if not a finance charge
Tax Service or Tax Contract Fee / Yes / Yes / Yes / Yes / Yes / Yes
Third Party Processing Fee / Yes / Yes / Yes / Yes / Yes / Yes
Tie-in Fee / Yes / Yes / Yes / Yes / Yes / Yes
Title Examination / No / No / No / No / No / No
Title Insurance / No / No / No / No / Not a finance charge, if for title exam, abstract of title, title insurance, property survey & similar purposes and is bona fide and reasonable in amount / No / No
Title Insurance Binder / No / No / No / No / Not a finance charge, if for title exam, abstract of title, title insurance, property survey & similar purposes and is bona fide and reasonable in amount / No / No
Transfer Fee / Not a finance charge, if for title exam, abstract of title, title insurance, property survey & similar purposes and is bona fide and reasonable in amount / No / No
Trustee Fee / Yes / Yes / Yes / Yes / Yes / Yes
Underwriting Fee / Yes / Yes / Yes / Yes / Yes / Yes
Update Fee / Yes / Yes / Yes / Yes / Yes / Yes
Up-front Fee / Yes / Yes / Yes / Yes / Yes / No
VA Funding Fee / Yes / Yes / Yes / Yes / Yes / No
VOD (verification of deposit) / Yes / Yes / Yes / Yes / Yes / Yes
VOE (verification of employment) / Yes / Yes / Yes / Yes / Yes / Yes
Warehouse Fee / Yes / Yes / Yes / Yes / Yes / Yes
If / Paid / To / Include / In / Test
Lender/ Broker/ Affilate(Y/N) / Title / Closing (Y/N) / Govt (Y/N) / Other (Y/N) / APR / Finance Charge Comments / HOEPA (Y/N) / GSE (Y/N) / HOEPA / GSE Comments
Wire Fee / Yes / Yes / Yes / Yes / Yes / Yes
Wire Handling Fee / Yes / Yes / Yes / Yes / Yes / Yes
Yield Spread Premium (YSP) / N/A / N/A / N/A / N/A / Yes / Yes

Effective Date: