Loan Estimate (LE) Commonly Used Fees
Quick Reference Guide
Section A
Origination Charges
Origination Charges
The table below identifies the fees that are included in the various sections of the Loan Estimate (LE)
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Lender Paid Compensation
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Borrower Paid Compensation
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• Commitment Fee
• Discount Points • Property InspectionWaiver Fee • Underwriting Fee |
• Broker Administrative Fee
• Broker Application Fee • Broker Origination Fee • Broker Processing Fee • Underwriting Fee • Commitment Fee • Discount Points • Property Inspection Waiver Fee |
Section B
Services That You Cannot Shop For
Services That You Cannot Shop For
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Fees Always Included in Section B
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Fees included in Section B only when not listed
on the Service Provider List (If included on the SPL must include in Section C) |
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• Appraisal, Appraisal Completion, or Other
Property Valuation Fee • Condo Questionnaire Fee • Credit Report Fee • CEMA Fee • FHA Up-Front MIP • Flood Certification Fee • HOA Document Fee(HOA cert/HOA questionnaire) • HomeStyle Inspection Fee(s) • Limited 203(k) Inspection Fee (s) • Single Premium Borrower Paid MI • Subordination Fee • Tax Service Fee (FNMA/FHLMC only) • Third Party Processing Fee • USDA Guarantee Fee • VA Funding Fee |
Fee placement is determined by whether or not the fee is
included on the Service Provider List (SPL). • Any fee below not listed on the SPL is included in Section B – Services You Cannot Shop For, or • Any fee below that is listed on the SPL is included in Section C – Services You Can Shop For • Attorney Review Fee • Closing/Settlement Fee • CPL Fee • Document Prep Fee • Endorsement Fee • Feasibility Study Fee (203k or HomeStyle) • HUD Consultant Fee • Natural Hazard Report Fee • Notary/Signing Fee • Recording Service Fee • Search and/or Binder Fees • Standard 203 (k) Inspection Fee(s) • Survey Fee • Termite/Pest Inspection Fee • Title ReviewFee • Title Update Fee • Wire Fee |
Section C
Services That You Can Shop For
Services That You Can Shop For
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Fees disclosed in Section C only when listed on the Service Provider List
(If not included on the Service Provider List must include in Section B ) |
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Fee placement is determined by whether or not the fee is included on the Service Provider List (SPL).
• Any fee below that is listed on the SPL is included in Section C – Services You Can Shop For, or • Any fee below not listed on the SPL is included in Section B – Services You Cannot Shop For • Attorney Review Fee • Closing/Settlement Fee • CPL Fee • Document Prep Fee • Endorsement Fee • Feasibility Study Fee (203k or HomeStyle) • HUD Consultant Fee • Home Inspection Fee • Natural Hazard Report Fee • Notary/Signing Fee • Recording Service Fee • Search and/or Binder Fees • Standard 203(k) Inspection Fee(s) • Survey Fee • Termite/Pest Inspection Fee • Title Review Fee • Title Update Fee • Wire Fee |
Section E
Taxes and Government Fees
Taxes and Government Fees
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• City/County Tax Stamps
• Recording Deed • Recording Mortgage • Transfer Taxes |
Section F
Prepaids
Prepaids
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• Flood Insurance Premium
• Hazard/Homeowner Insurance Premium • Per Diem Interest • Property/Real Estate Tax Payment Due |
