Fees that are subject to the fee cap limitation include:
•Charges to originate
•Charges to evaluate
•Charges to maintain
•Charges to record
•Charges to insure a home loan
•Charges to service
•Other charges that are not interest or not specifically exempted.
EXAMPLES (Borrower paid Fees):
•Administrative Fee
•Appraisal not performed by third party appraiser
•Assignments Fee
•Brokerage Fee
•Certification that HOA Maintenance Fee is current
•Closing Fee
•Commitment Fee
•Courier Fees
•Credit Life (if required by Lender)
•Credit Report
•Deed Restrictions
•Document Preparation
•Escrow Fee
•Escrow Waiver
•Flood Certification
•HOA Transfer Fee
•Mortgage insurance
•Origination Fee
•Pest Inspection
•Processing Fee
•Property Tax Certification
•Property Tax Service Fee
•Recording Fees
•Survey not performed by state licensed or registered surveyor
•Underwriting Fee
•Warehouse Fee