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List of Finance Charges

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# A B C D E F G H I L M N O P Q R S T U V W Y

#	Back to Top
Fee	Finance Charge
203K CONTINGENCY RESERVE	No
203K HOME INSPECTION	Yes
203K REPAIRS	No
203K SUPP ORIGINATION	Yes
203K SUPPLEMENTAL ORIG	Yes
2ND LIEN FEE	Yes
4506 TRANSCRIPT FEE	Yes
8.1 ENDORSEMENT	No


A	Back to Top
Fee	Finance Charge
ABSTRACT FEE	No
ACCOMMODATION FEE	Yes
ADMINISTRATIVE FEE	Yes
AMORTIZATION SCHEDULE	Yes
APPLICATION FEE	Yes
APPRAISAL FEE	No
APPRAISAL REVIEW (LENDER)	Yes
APPRAISAL WAIVER FEE	Yes
ARCHIVE	Yes
ASSIGNMENT FEE	Yes
ASSIGNMENT RECORDING FEE	Yes
ASSUMPTION FEE	Yes
ATTORNEY FEES	Yes
AU FEE	Yes
AUDIT	Yes


B	Back to Top
Fee	Finance Charge
BROKER FEE	Yes
BUYDOWN FEE	Yes


C	Back to Top
Fee	Finance Charge
CHAIN OF TITLE	No
CITY STAMP MORTGAGE	No
CITY/COUNTY TAX/STAMPS	No
CLOSING FEE	Yes
CLOSING PROTECTION LETTER	Yes
COMMITMENT FEE	Yes
COMPLIANCE FEE	Yes
COOK COUNTY ANTI-PRED FEE	No
COORDINATION	Yes
COPY FEE	Yes
COUNTY TAX STAMP	No
COURIER FEE	Yes
CREDIT REPORT FEE	No


D	Back to Top
Fee	Finance Charge
DELETEME SHIVESH TEST FEE	Yes
DELETEMECCFEE	No
DELIVERY FEE	Yes
DEMAND FEE	Yes
DISCOUNT FEE	Yes
DOCUMENT PREP (3RD PARTY)	No
DOCUMENT PREP (LENDER)	Yes
DOCUMENT REVIEW FEE	Yes
DOCUMENT STAMP FEE	No
DRAWS INSPECTION FEE	Yes


E	Back to Top
Fee	Finance Charge
E DOC FEE	Yes
E MAIL CHARGE	Yes
E-FILING	No
ELECTRONIC DOC DELIVERY	Yes
ENDORSEMENTS	No
ESCROW FEE	Yes
ESCROW FOR REPAIRS	No
ESCROW REPAIR HOLDBACK	No
ESCROW WAIVER FEE	Yes


F	Back to Top
Fee	Finance Charge
FAX FEE	Yes
FEE FOR ESCROW HOLDBACK	Yes
FINAL INSPECTION	No
FLOOD CERTIFICATION FEE	Yes
FLOOD INSURANCE ESCROW	No
FLOOD INSURANCE PREMIUM	No
FLOOD SERVICE FEE	Yes
FUNDING FEE	Yes


G	Back to Top
Fee	Finance Charge
GA RESIDENTIAL MTG. TAX	No


H	Back to Top
Fee	Finance Charge
HAZARD INSURANCE ESCROW	No
HAZARD INSURANCE PREMIUM	No
HOME INSPECTION (LENDER)	Yes
HOME WARRANTY	No


I	Back to Top
Fee	Finance Charge
IMAGING FEE	Yes
INSPECTION (LENDER)	Yes
INTANGIBLE TAX	No
INTEREST	Yes
INTERIM INSPECTIONS	Yes
INVESTOR FEE	Yes


L	Back to Top
Fee	Finance Charge
L.P. FEE	Yes
LENDER COVERAGE	No
LENDER INSPECTION FEE	Yes
LIFE OF LOAN	Yes
LOCK EXTENSION	Yes
LOCK FEE	Yes
LONG DISTANCE	Yes


M	Back to Top
Fee	Finance Charge
MAINE PER LOAN FEE	No
MAINTENANCE FEE	Yes
MANAGEMENT FEE	Yes
MCC	Yes
MERS FEE	Yes
MESSENGER	Yes
MI RENEWAL RESERVES	Yes
MIP	Yes
MODIFICATION	Yes
MORTGAGE TAX	No


N	Back to Top
Fee	Finance Charge
NOTARY FEES	Yes


O	Back to Top
Fee	Finance Charge
ODD DAYS INTEREST	Yes
OKLAHOMA MORTGAGE TAX FEE	No
ORIGINATION	Yes
ORIGINATION CHARGE	Yes
OVERNIGHT	Yes
OWNERS COVERAGE	No


P	Back to Top
Fee	Finance Charge
PARTICIPATION FEE	Yes
PEST INSPECTION	No
PMI	Yes
POST CLOSING FEE	Yes
PREPAID INTEREST	Yes
PROCESSING FEE	Yes
PURCHASING	Yes


Q	Back to Top
Fee	Finance Charge
QUALITY CONTROL	Yes


R	Back to Top
Fee	Finance Charge
RECERT OF VALUE (LENDER)	Yes
RECORDING FEES	Yes
RECORDING FEES (TO GVNMT)	No
RECORDING FEES/ASSIGNMENT	Yes
RECORDING SERVICE	Yes
REDRAW FEE	Yes
REFERRAL FEE	Yes
REFINANCE FEE	Yes
REMOTE DOC DOWNLOAD	Yes
REPAIR ESCROW	No
REPAIR ESCROW HOLDBACK	No
REPAIRS	No
REVIEW APPRAISAL (LENDER)	Yes
REVIEW FEE	Yes
RURAL DEVELOPMENT GUARANTY FEE	Yes
RUSH FEE	Yes


S	Back to Top
Fee	Finance Charge
SERVICE RELEASE PREMIUM	No
SERVICES	Yes
SERVICING FEE	Yes
SET UP FEE	Yes
SETTLEMENT	Yes
SHIPPING	Yes
SRP	No
STATE TAX/STAMPS	No
STORAGE FEE	Yes
SUB ESCROW	Yes
SUPPLEMENTAL ORIGINATION	Yes
SURVEY	No
SVC RELEASE PREM	No


T	Back to Top
Fee	Finance Charge
TABLE FUNDING FEE	Yes
TAX CERTIFICATES	No
TAX SERVICE FEE	Yes
TAX STAMPS	No
TAX TRANSCRIPT FEE	Yes
TAXES	No
TELEPHONE	Yes
TEMPORARY BUYDOWN FEE	Yes
TERMITE INSPECTION	No
TEXAS GUARANTY FEE	No
THIRD PARTY AUDIT	Yes
TITLE BINDER	No
TITLE ENDORSEMENTS	No
TITLE EXAMINATION	No
TITLE GUARANTY FEE	No
TITLE INSURANCE	No
TITLE INSURANCE PREMIUM	No
TITLE POLICY	No
TITLE SEARCH	No
TRANSACTION FEE	Yes
TRANSFER FEE	Yes
TRANSFER TAX	No
TX VET PARTICIPATION FEE	Yes
TX VET VHAP	Yes


U	Back to Top
Fee	Finance Charge
UNDERWRITING FEE	Yes
USDA GUARANTEE FEE	Yes


V	Back to Top
Fee	Finance Charge
VA FUNDING FEE	Yes
VERIFICATION	Yes
VHAP PARTICIPATION FEE	Yes


W	Back to Top
Fee	Finance Charge
WAREHOUSE FEE	Yes
WIRE FEE	Yes


Y	Back to Top
Fee	Finance Charge
YIELD SPREAD PREMIUM	No

General Information

The federal Truth in Lending Act (TILA) along with implementing regulations (Regulation Z) and the regulator's Official Staff Commentary require that certain fees in addition to interest payments be considered when calculating the Total Finance Charge and Annual Percentage Rate on closed-end mortgage transactions.

12 CFR Part 226
Regulation Z 226.4 Finance Charge

Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction.

Relevant Links

Disclaimer: The content of this web site and any attached or referenced pages, has been written or gathered by Schwartz & Associates for informational purposes only and should not be relied upon as legal advice. This information is not intended to create, and receipt of it does not constitute, an attorney-client relationship. The attorney(s) at Schwartz & Associates are not certified by the Texas Board of Legal Specialization. Principal Office – 1446 Heritage Drive, McKinney, Texas 75069. Attorney responsible for the content of this web site is: Dennis P. Schwartz.

List of Finance Charges

General Information

12 CFR Part 226Regulation Z 226.4 Finance Charge

Relevant Links

12 CFR Part 226
Regulation Z 226.4 Finance Charge