HERA-HOEPA

Fees & Loan Data that impact APR

Govt Recording/Transf Fees:

· Recording Fee/Assignment

· Subordination/Modification

3rd Party Fees:

· Broker Compensation Fee

· Courier/Messenger Fee

· EDD to 3rd Party

· Fax/Copies/Postage

· Final Inspection

· Flood Life of Loan

· HOA Cert Fee

· Home Warantee

· Mortgage Ins Ap Fee

· Processing Fee

· Re-Draw Fee

· Reconveyance Fee

· Tax Service Fee

· Transfer Fee

· Underwriting Fee

· Wire Transf Fee

Lender Fees:

· Application Fee

· Assumption Fee

· Commitment Fee

· Discount Fee

· Lock extension fee 

· Lock extension fee

· Return to Float Fee

· Lock in Fee

· Modification Fee

· Mortgage Broker Comp. Fee

· Origination Fee

· Processing Fee

· Underwriting Fee

· Holdback Fee

Title/Closing/Settlement:

· Closing/Escrow/Settlement

· Mortgage Insurance Fee

· Doc Review

· Escrow/Loan Tie in Fee

· PMI/MIP

· Recording

· Servicing Fee

· Temp. Buydown Fee

· Trust review

· Upfront Mtg Ins.

· Va Funding Fee

Loan Data:

· Per Diem Interest

· Loan Amount

· Interest Rate

· Loan Product