APR Finance Charges If Paid To: Include In Test

Fees Listed on HUD‐1 2nd/ Second Mortgage Fee Abandonment (of Homestead) Abstract of title search

APR / Finance Charges If Paid To: Lender/Broker/Affiliate Title/Closing YES YES NO NO NO NO

Govt YES NO NO

APR / Finance Charge Comments Other YES NO NO Title Fee Not a finance charge if paid to a government YES entity YES YES Same as Overnight Fees, Express Mail Fees, YES Delivery Fee etc. YES Not a finance charge if for Affidavit recording (paid to Govt entity) or for document YES preparation YES NO Title Fee YES NO Taxes

Accommodation Fee Additional Checks Additional Work Charge 2nd Processing

YES YES YES

YES YES YES

NO YES YES

Admin/Courier/Fax/Cope Fee Administration Fee

YES YES

YES YES

YES YES

Affidavits Agency Fee (FHA) ALTA x.x. Amortization Schedule Fee Annual Assessments

YES YES NO YES NO

YES YES NO YES NO

NO YES NO YES NO

Annual Fee Application Fee Appraisal Desk Review Appraisal Fee Appraisal Field Review Appraisal Review Archiving Fee Assessment Search Fee Assignment Recording Fee Assumption Fee Attorney's Fee Automated Underwriting Automated Valuation Model (AVM) Bankruptcy Service Fee Broker Admin Fee Broker Appraisal (BPO) Broker Fee Broker Processing Fee Building Permit Buy down Paid by Borrower Cancel Existing Loan Fee Capital Contribution CEMA

YES YES YES NO YES YES YES NO YES YES YES YES YES NO YES YES YES YES NO YES YES YES YES



YES YES NO NO NO NO YES NO YES YES YES YES YES NO YES YES YES YES NO YES YES NO YES

Certificate of Release Certified Copies to Registry CES/Closed End Second Check Processing Fee City Property Taxes City/County Tax/Stamps

YES NO YES YES NO NO


NO NO YES YES NO NO


CLO Closing Fee Closing letter Closing Protection Letter Closing Protection Premium Closing Service Letter Combo Fee Commitment Fee Compliance Cert/Reg Copy CON/MOD Concurrent Junior Mortgage Escrow Fee Condo PUD Approval Fee Condo Questionnaire Fee

YES YES YES YES NO YES YES YES YES YES YES YES YES


NO NO YES YES NO YES YES YES YES YES YES YES YES

YES YES YES YES NO YES YES YES YES NO YES YES YES

Conservation Fee Construction Admin Fee Contingency Fee Copy or Fax Fee Cost to Broker County Property Taxes County Surcharge Fee County Taxes

YES YES NO YES YES NO NO NO




Courier Fee Credit Report

YES NO

YES NO

YES NO

YES NO

Deed of Trust (DOT) Release Deed Prep Fee

YES NO

YES NO

NO NO

YES NO

Demand Fee Desktop Underwriting Fee Digital Docs Disbursement Fee

YES YES YES YES

YES YES YES YES

YES YES YES YES

YES YES YES YES

Discharge of Mortgage

YES

YES

NO

YES

Discount Fee / Discount Points Doc Imaging Doc Service Fee Docufile Document Certification

YES YES YES YES YES

YES YES YES YES YES

YES YES YES YES YES

YES YES YES YES YES

Document Fee Document Fee (Email or Processing) Document Handling Fee Document Maintenance Fee

YES YES YES YES

YES YES YES YES

YES YES YES YES

YES YES YES YES

Document Preparation Document Processing Document Retrieval Document Review Document Signing Fee Docuserve Draw Fee

NO Yes Yes Yes Yes Yes Yes

NO YES YES YES YES YES YES



Draw Fee (Document Preparation) DU/LP Fee Duplicate Tax Bill Early Issue Fee E‐doc Fee Electronic Doc Delivery Fee Electronic Recording Fee Endorsements Environmental Protection Lien Equity Set Up Fee

YES YES YES NO YES YES YES NO NO YES




For HELOCs ‐ not a finance charge unless based on usage. For CE ‐ Always a Finance Charge Not a finance charge if paid to an appraiser Not a finance charge if paid to an appraiser Not a finance charge if paid to an appraiser Title Fee

Same as Settlement or Escrow or Closing

Not a finance charge if paid to HOA Not a finance charge if paid by someone other than the borrower Title Fee

Not a finance charge if paid to a government entity for recording Same as settlement or Escrow or Attorney

Title Fee

Not a finance charge if paid to HOA

Not a finance charge if required by the state to be charged to the borrower

Same as Overnight Fees, Express Mail Fees, Delivery Fee etc. Not a finance charge if paid to a government entity

Not a finance charge if for payoff of old loan

Not a finance charge if paid to a government entity

Not a finance charge if for Doc Preparation, and if bona fide and reasonable in amount

Not a finance charge if Doc Preparation, and if bona fide and reasonable in amount

HELOC fee to draw Not a finance charge if Doc Preparation, and if bona fide and reasonable in amount

Insurance Premium

Title Fee Title Fee

Include In Test HOEPA* GSE** YES YES NO NO NO NO

HOEPA / GSE Comments

Do not include if this is NOT a finance charge refer to APR test YES YES

Yes YES YES

YES YES

YES YES

refer to APR test YES NO YES NO

YES YES NO YES NO

YES YES refer to APR test NO refer to APR test refer to APR test YES NO YES YES YES YES YES NO YES YES YES YES NO YES YES refer to APR test YES

YES YES NO NO NO NO YES NO YES YES NO YES YES NO YES YES YES YES NO YES YES YES YES

refer to APR test NO YES YES NO NO


refer to APR test YES YES YES NO YES YES YES YES refer to APR test YES YES YES




YES NO

YES NO

refer to APR test NO

YES NO

YES YES YES YES

YES YES YES YES

refer to APR test

YES

YES YES YES YES YES

NO YES YES YES YES

YES YES YES YES

YES YES YES YES

Do not include if this is NOT a finance charge

NO YES YES YES YES YES N/A



N/A YES YES NO YES YES YES NO NO YES

YES YES YES YES YES YES YES NO NO YES



Do not include if this is NOT a finance charge Up to 2 bona fide discount points ONLY, anything above 2 bona fide points is included

Fees Listed on HUD‐1 Escrow Accounting Fee Escrow Fee Escrow Hold Back Admin Fee Escrow Sales Tax Escrow Waiver Fee Estoppel Fee Express Mail Fee Express line Processing Fee Extra Check Charge Fax Fee FHA 203K Termite Fee FHA 203K Title Update Fee FHA MIP FHA MIP Impounds FHLMC REO Deliver Fee File Maintenance Filing Fee Final Title Update Finance Charges

APR / Finance Charges If Paid To: Lender/Broker/Affiliate Title/Closing YES YES YES YES YES YES YES YES YES YES NO NO YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES NO NO YES YES

Govt YES YES YES YES YES NO YES YES YES YES YES YES YES YES YES YES YES NO YES

Other YES YES YES YES YES NO YES YES YES YES YES YES YES YES YES YES YES NO YES

Flood Fee (if cert is not LOL)

NO

NO

NO

NO

Flood Fee (if cert is LOL)

YES

YES

YES

YES

Flood Insurance Services

YES

YES

YES

YES

Flood Report Fee Flood/Hazard insurance Premiums Florida Form 9 Funding Fee Gap Risk Fee Government Service Fee H.O.M.E. to Commonwealth Title Hand Recording Handling Fee Hazard Insurance Hazard Insurance Premium HELOC Fee HOA Dues Imaging Fee

YES NO NO YES YES YES YES YES YES NO NO YES NO YES


YES NO NO YES YES YES YES NO YES NO NO YES NO YES


Inspection Fee Intangible Tax Interest Investor Fee ITI Agent Registration Fee Judgment Fee Judgment Search Jumbo Pool Fee Junior Loan Policy L 109 PIRT LARA Analysis LARA Escalation Legal & Vesting Lender Direct Fee Lender Fee Lender's Converge

YES NO YES YES YES NO NO YES NO NO YES YES NO YES YES NO




Lenders Inspection Fee Lien Finance Report Lien Protection Insurance Lien Search Limited Realty Report Line Entry Fee Loan Discount Loan Fee Loan Origination Fee Loan Package Fee Loan Package Preparation Fee Loan Review Fee Loan Tie‐In Fee Lock In Fee Master Service Administration Fee MCC Application Fee MCC Fee to Agency MCC Fee to Lender Mechanical Lien MERS Fee Messenger Fee Miscellaneous Lender/Broker Fees

YES NO NO NO NO YES YES YES YES YES YES YES YES YES YES YES YES YES NO YES YES YES




Mortgage Certification Fee Mortgage Fee Mortgage Insurance Application Fee Mortgage Insurance Impounds Mortgage Insurance Premium Mortgage Insurance Service Mortgage Registration Tax

YES YES YES YES YES YES NO


NO YES YES YES YES YES NO


Mortgage Tax to Title MRB Compliance Fee MRB Funding Fee Municipal Lien Certificate Name Search Nav Serv NCHFA Processing Fee NOC Recording Notary (Mobile)

YES YES YES NO NO NO YES YES YES


NO YES YES NO NO NO YES NO YES


Notary /Signing

YES

YES

YES

YES

Notary and Signing

YES

YES

YES

YES

Notary Fees

YES

YES

YES

NO

Govt YES YES YES NO YES YES YES YES YES YES

Other YES YES YES NO YES YES YES YES YES YES

Fees Listed on HUD‐1 Notice of Seizure Fee Notice of Settlement NY Consolidation & Modification O & E Report Obtain & File Release Document Obtain & Record Municipal Lien Order Demand Statement Origination Fee OTC 442 Reinspection OTC Additional Draw Inspections

APR / Finance Charges If Paid To: Lender/Broker/Affiliate Title/Closing YES YES YES YES YES YES NO NO YES YES YES YES YES YES YES YES YES YES YES YES

OTC Foundation Title Endorsement

YES

YES

YES

YES

OTC Survey

YES

YES

YES

YES

Outside Loan Signing/Notary Fee Overnight Fee Owner's Coverage Patriot Act Service Fee

YES YES NO YES

YES YES NO YES

YES YES NO YES

YES YES NO YES

Payoff Credit Card Payoff Service Fee PCOR Fee Per Diem / Interest Pest Inspection Piggyback Second Plan Review Fee Points Post Closing Fee Private Mortgage Insurance Private Mtg Insurance Impounds Private Mtg Insurance Premiums

YES YES YES YES NO YES YES YES YES YES YES YES




Processing Fee Processing Fee to Bond Authority Property Inspection Waiver Property Valuation Fee Quality Assurance Quit Claim Deed

YES YES YES YES YES NO




APR / Finance Charge Comments Same as Settlement or Closing

Title Fee For overnight delivery, shipping and handling

Not a finance charge if done prior to closing Not a finance charge if done prior to closing

Title Fee Not a finance charge if for upfront flood determination only Finance charge if part of fee is for life of loan monitoring Not a finance charge if for Insurance of upfront flood determination Not a finance charge if for Insurance of upfront flood determination Title Fee

Not a finance charge if paid to a government entity

Not a finance charge if for an Inspection of the property, and the service if performed before closing

Title Fee Title Fee Title Fee Title Fee

Title Fee

Title Fee Not a finance charge if for an Inspection of the property, and the service if performed before closing Title Fee Title Fee Title Fee Title Fee

Title Fee Same as Overnight Fees, Express Mail Fees, Delivery Fee etc Not a finance charge if paid to a Government entity for recording. If anything is charged above what the county requires, it is a finance charge

Not a finance charge if paid to a Government entity for recording. If the tax is imposed on the Lender and passed to the borrower, it is a finance charge

Title Fee Title Fee Title Fee Not a finance charge if paid to Government entity Only if Mobile Notary The notary fee is not a finance charge, but the signing fee is. If lumped together, then the total is a finance charge The notary fee is not a finance charge, but the signing fee is. If lumped together, then the total is a finance charge Not a finance charge if paid to the notary; if only for the notorial action

APR / Finance Charge Comments

Title Fees

Not a finance charge if the title endorsement is obtained prior to closing Not a finance charge if the survey is done prior to closing The notary fee is not a finance charge, but the signing fee is. If lumped together, then the total is a finance charge Title Fee If the fee is for the service to payoff credit cards or other debt it is a finance charge

Not a finance charge if paid to Nehemiah as a cost for getting the grant, this is not a cost in connection with the loan

Include In Test HOEPA* GSE** YES YES YES YES YES YES YES YES YES YES NO NO YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES NO NO YES YES


NO

NO

YES

NO

YES

NO

YES NO NO YES YES YES YES refer to APR test YES NO NO YES NO YES

NO NO NO YES YES YES YES NO YES YES YES YES YES YES

YES NO NO YES YES NO NO YES NO NO YES YES NO YES YES NO


YES NO NO NO NO YES YES YES YES YES YES YES YES YES YES YES YES YES NO YES

YES NO NO NO NO YES YES YES YES YES YES YES YES YES YES YES YES YES NO YES

YES YES

YES YES

refer to APR test YES YES YES YES YES NO

YES YES NO NO NO YES NO


refer to APR test YES YES NO NO NO YES refer to APR test YES

YES YES YES NO NO NO YES NO YES


YES

YES


YES

YES


refer to APR test

YES


Include In Test HOEPA* GSE** YES YES YES YES YES YES NO NO YES YES YES YES YES YES YES YES YES YES YES YES YES

YES

YES

YES

YES YES NO YES

YES YES NO YES






Rapid Lien Fee Rec/Filing Fee Recertification Fee ‐ 442 Recertification Fee to Title

YES YES NO NO

YES YES NO NO

YES NO NO NO

YES YES NO NO

Reconveyance Fee

YES

YES

NO

YES

Recon Tracking Fee

YES

YES

YES

YES

Record Mortgage

YES

YES

NO

YES

Record Request for Notice

YES

YES

NO

YES

Record Solo & Separate

YES

YES

NO

YES

Record Warranty Deed

YES

YES

NO

YES

Recording Escrow Fee

YES

YES

NO

YES

Recording Fees

YES

YES

NO

YES

Recording Handling Fee

YES

YES

NO

YES

Recording Satisfaction Fee Re‐Draw Fee (Document Preparation) Reimbursement Release Fee Release Recordation Remote Document Fee Remote Fee

YES YES YES YES YES YES YES


NO YES YES YES NO YES YES


Rental Housing Support Act Report Fee Request for Notice if Required by Lender Residential Housing Support Program Residential Mortgage Fee Return Package Fee RHS Guarantee Fee

RHSP Rush Recording Fee Rush recording Fee Paid to a Gov agency Sales Tax Sales Tax Paid to a Gov Agency



NO YES YES NO NO YES YES


YES YES YES NO NO

YES YES YES NO NO

NO YES YES NO NO

YES YES YES NO NO

Lender/Broker/Affiliate

Title/Closing

Govt

Other

Satisfaction Fee Scan Fee Search & Exam Service Fee Service Release Settlement or Closing Settlement / Escrow Agent Misc Fees Shipping/Handling Admin Service Fee Shortfall Fee Sign Up Fee

YES YES NO YES YES YES YES YES YES YES




Signature Fee Signing Fee Simultaneous Issue Simultaneous Second Stand Alone 2nd State Documentary Transfer Tax State Tax Stamps on Mortgage Statement Fee Statutory Policy Fee Storage Fee Streamline Valuation Fee Sub‐Escrow or Sub Title Fee Subordination Fee Supplemental Origination Fee Survey

YES YES YES YES YES NO NO YES YES YES YES YES YES YES NO




Fees Listed on HUD‐1

Tax Certification Fee

YES

YES

NO

YES

Tax Payment Fee

YES

YES

NO

YES

Tax Registration Fee

YES

YES

NO

YES

Tax Related Fee Tax Report Fee

YES YES

YES YES

NO YES

YES YES

Tax Report Processing Fee

YES

YES

NO

YES

Tax Search Fee Tax Service or Tax Contract Fee Tennessee Service Charge Third Party Processing Fee Tie In Fee

YES YES YES YES YES

YES YES YES YES YES

YES YES YES YES YES

YES YES YES YES YES

Title Cancellation Fee

YES

YES

YES

YES

Title Examination

NO

NO

NO

NO

Title Insurance

NO

NO

NO

NO

Title Insurance Binder Tracking Transfer Fee Typing Fee Underwriting Fee Update Fee Up‐Front MIP VA Funding Fee VHDA Bond Loan Fee VOD ‐ Verification of Deposit VOE ‐ Verify of Employment Fee Walk Thru Recording Warehouse Fee Wire Fee Wire Handling Fee Work Share Fee

NO YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES




YSP

YES

YES

YES

YES

Not a finance charge if paid to a Government entity 442 ‐ Certification for completion Title Fee Not a finance charge if paid to Government entity to record satisfaction on an old loan. This is a cost of the old loan, not a finance charge on the new loan Tracking of this recordation process is a service and so is a finance charge Not a finance charge if paid to a Government entity for recording. If anything is charged above what the county requires, it is a finance charge Not a finance charge if paid to a Government entity for recording. If anything is charged above what the county requires, it is a finance charge Not a finance charge if paid to a Government entity for recording. If anything is charged above what the county requires, it is a finance charge Not a finance charge if paid to a Government entity for recording. If anything is charged above what the county requires, it is a finance charge Not a finance charge if paid to a Government entity for recording. If anything is charged above what the county requires, it is a finance charge Not a finance charge if paid to a Government entity for recording. If anything is charged above what the county requires, it is a finance charge Not a finance charge if paid to a Government entity for recording. If anything is charged above what the county requires, it is a finance charge Not a finance charge if paid to a Government entity for recording. If anything is charged above what the county requires, it is a finance charge

Not a finance charge if paid to a Government entity

Not a finance charge if paid to a Government entity for tax imposed on the borrower by the Government entity. If the tax imposed on the Lender and passed to the borrower, it is a finance charge.

Not a finance charge if paid to a Government entity Not a finance charge if paid to a Government entity

Not a finance charge if paid to a Government entity for tax imposed on the borrower by the Government entity. If the tax imposed on the Lender and passed to the borrower, it is a finance charge.

APR / Finance Charge Comments Not a finance charge if the fee is to satisfy the old loan being paid off. Then it is a cost of the old loan, not a finance charge on the new loan Title Fees

The notary fee is not a finance charge, but the signing fee is. If lumped together, then the total is a finance charge

Not a finance charge if paid to a Government entity for tax imposed on the borrower by the Government entity. If the tax imposed on the Lender and passed to the borrower, it is a finance charge. Not a finance charge if paid to a Government entity for tax imposed on the borrower by the Government entity. If the tax imposed on the Lender and passed to the borrower, it is a finance charge. Not a finance charge if paid to a Government entity for tax imposed on the borrower by the Government entity. If the tax imposed on the Lender and passed to the borrower, it is a finance charge. Not a finance charge if paid to a Government entity for tax imposed on the borrower by the Government entity. If the tax imposed on the Lender and passed to the borrower, it is a finance charge. Same as Tax Service Fee Not a finance charge if paid to a Government entity for tax imposed on the borrower by the Government entity. If the tax imposed on the Lender and passed to the borrower, it is a finance charge. Not a finance charge if tax search was part of the title work to verify the taxes and whether paid

Not a finance charge if for title exam, abstract of title, title insurance, property survey and similar purpose and is bona fide and reasonable in amount Not a finance charge if for title exam, abstract of title, title insurance, property survey and similar purpose and is bona fide and reasonable in amount Not a finance charge if for title exam, abstract of title, title insurance, property survey and similar purpose and is bona fide and reasonable in amount Not a finance charge if for title exam, abstract of title, title insurance, property survey and similar purpose and is bona fide and reasonable in amount

Not a finance charge if paid by someone other than the borrower

YES refer to APR test NO NO

YES NO NO NO

refer to APR test

NO

YES

YES

refer to APR test

NO

refer to APR test

NO

refer to APR test

NO

refer to APR test

NO

refer to APR test

NO

refer to APR test

NO

refer to APR test

NO

refer to APR test YES YES YES refer to APR test YES YES

NO YES YES YES NO YES YES

refer to APR test YES YES refer to APR test refer to APR test YES YES

YES YES YES NO NO YES YES


refer to APR test YES YES NO NO

YES YES YES NO NO


HOEPA*

GSE**




Do not include if this is not a finance charge




refer to APR test

YES


refer to APR test

YES


refer to APR test

YES


refer to APR test YES

YES YES



YES

YES

YES YES YES YES YES

YES YES YES YES Yes

YES

YES

NO

NO

NO

NO


NO YES YES YES YES YES NO NO YES YES YES YES YES YES YES YES

YES

YES

APR Finance Charges If Paid To: Include In Test

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