Caliber RESPA/TILA Fee Guide By Fee Name
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1 203 (k) Architectural and Engineering Fee Section C. Can Shop No 203 (k) Contingency Reserve Section H. Other No 203 (k) Repairs Section H. Other No 203 (k) Title Update Fee Section C. Can Shop Yes 203K Consultant Fee Section C. Can Shop Yes 203K Home Inspection Fee Section B. Cannot Shop No 203k Permit Fee Section B. Cannot Shop No 203k Supplemental Origination Fee Section A. Origination Charges Yes 2nd Appraisal Fee Section B. Cannot Shop No 4506T Fee Section B. Cannot Shop Yes Not permitted on WHL loans. CL1 clients may charge. Administration Fee Section A. Origination Charges Yes Caliber Lender Fee in AL, AK, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WI Application Fee Section A. Origination Charges Yes Appraisal Fee Section B. Cannot Shop No Appraisal Field Review Section B. Cannot Shop No Appraisal Re Inspection Section B. Cannot Shop No BIA Leashold Documentation Fee Section B. Cannot Shop Yes Borrower Attorney Fee Section H. Other No When borrower elects service not required to originate loan. Borrower Pest Inspection Section H. Other No When borrower elects service not required to originate loan. Borrower Septic Inspection Section H. Other No When borrower elects service not required to originate loan. Borrower Survey Section H. Other No When borrower elects service not required to originate loan. Borrower Well Inspection Section H. Other No When borrower elects service not required to originate loan. Broker Courier Fee Section A. Origination Charges Yes Broker Document Storage Fee Section A. Origination Charges Yes Broker Scan Fee Section A. Origination Charges Yes Buyer Bankruptcy Fee Section H. Other No City/County Tax Stamps Section E. Transfer Taxes No Collateral Desktop Analysis Section B. Cannot Shop No See Product Guidelines for when required. Commitment Section A. Origination Charges Yes Caliber Lender Fee in NC, NJ, NY, IA Condo Dues Section H. Other No Condo Questionnaire Fee Section B. Cannot Shop Yes Condo Working Capital Fee Section H. Other No Contract Extension Fee Section H. Other No Conveyance Tax Section E. Transfer Taxes No Coordination Fee Section A. Origination Charges Yes When paid to broker in borrower paid loan. Credit Report Fee Section B. Cannot Shop No Page 1 of 6 Rev
2 Disaster Certifcation Fee Section C. Can Shop No Doc Prep Fee Section A. Origination Charges Yes When paid to broker in borrower paid loan. Document Preparation Fee Section B. Cannot Shop Yes Excise Tax Stamp Section E. Transfer Taxes No Filing Fee Section E. Government Recording Fees No Flood Certification Section B. Cannot Shop Yes Flood Elevation Certification Section C. Can Shop No Florida Title Insurance Policy Surcharge Section E. Government Recording Fees No Funding Fee (when paid the CL1 lender) Section A. Origination Charges Yes Not permitted on WHL loans. CL1 clients may charge. Funding Fee (when paid to 3rd party) Section B. Cannot Shop Yes Not permitted on WHL loans. CL1 clients may charge. GA Residential Per Loan Fee Section E. Government Recording Fees No Required for all Georgia loans. Government Recording Fee Deed Section E. Government Recording Fees No Government Recording Fee Mortgage Section E. Government Recording Fees No Government Recording Fees Section E. Government Recording Fees No Hawaii Attorney Trust Review Fee Section B. Cannot Shop Yes Hazard Inspection Section C. Can Shop Yes HOA Admin Fee Section H. Other No HOA Capital Contribution Section H. Other No HOA Certification Fee Section B. Cannot Shop Yes HOA Dues Section H. Other No HOA Reinvestment Section H. Other No HOA Transfer/Maintenance Fee Section H. Other No Home Inspection Fee Section H. Other No Home Warranty (Optional) Section H. Other No HUD IBTS Certification Fee Section B. Cannot Shop No Illinois State Policy Fee Section E. Government Recording Fees No Indiana Sales Disclosure Fee Section E. Government Recording Fees No Indiana purchase transactions IRS Income Verification Section B. Cannot Shop Yes IRS Tax Transcript Fee Section B. Cannot Shop Yes Not permitted on WHL loans. CL1 clients may charge. Lender Paid Broker Compensation Section A. Origination Charges No Not disclosed on Loan Estimate. Lender VOE Fee Section A. Origination Charges Yes Not permitted on WHL loans. CL1 clients may charge. LLC Attorney Review Fee Section B. Cannot Shop Yes Not permitted on WHL loans. CL1 clients may charge. Loan Origination Fee Section A. Origination Charges Yes Caliber Lender Fee in AZ, RI, WA, WV, WY Lock Deposit Fee Section A. Origination Charges No MERS Section B. Cannot Shop Yes MN Conservation Fee Section E. Government Recording Fees No Mortgage Broker Fee Section A. Origination Charges Yes Page 2 of 6 Rev
3 National Hazard Disclosure Report Section B. Cannot Shop No NJ State Mansion Tax Section E. Transfer Taxes No NOC Recording Fee Section E. Government Recording Fees No NY State Mansion Tax Section E. Transfer Taxes No NY State MortgageTax Section E. Transfer Taxes No Payment Processing Fee Section A. Origination Charges Yes Not permitted on WHL loans. CL1 clients may charge. Payoff Demand Section B. Cannot Shop Yes Pest Inspection Section C. Can Shop No Plumbing Inspection/Cert Fee Section C. Can Shop No Points ( % of Loan Amount (Points) Section A. Origination Charges Yes Post Closing Fee Section B. Cannot Shop No Not permitted on WHL loans. CL1 clients may charge. Pre Purchase Counseling Fee Section C. Can Shop No Home Possible Products Pre Purchase Homeownership Education Section B. Cannot Shop No Home Ready Products Prior Loan Payoff Interest Due Section H. Other No Private FFBC Fee Section H. Other No Processing Fee (3rd party) Section B. Cannot Shop Yes Only when paid to 3rd party processing company. Processing Fee (Broker) Section A. Origination Charges Yes Processing Fee (when paid to Broker) Section A. Origination Charges Yes Property Field Waiver Section A. Origination Charges Yes Property Inspection Waiver Section A. Origination Charges Yes Quit Claim Deed Section E. Government Recording Fees No Real Estate Commission Buyer Section H. Other No Real Estate Commission Seller Section H. Other No Real Estate Transaction Fee Section H. Other No Realtor Processing/Transaction Fee Section H. Other No Recordation Mortgage Tax Section E. Government Recording Fees No Reinspection Fee Section B. Cannot Shop No Rekey Fee Section H. Other No Renovation Architectural and Engineering Fee Section C. Can Shop No Renovation Consultant Fee Section C. Can Shop Yes Renovation Contingency Reserve Section H. Other No Renovation Home Inspection Fee Section B. Cannot Shop No Renovation Permit Fee Section B. Cannot Shop No Renovation Repairs Section H. Other No Renovation Title Update Fee Section H. Other Yes REO Inspection Fee Section C. Can Shop No Sales Disclosure Fee Section E. Government Recording Fees Yes Page 3 of 6 Rev
4 Scan Fee Section A. Origination Charges Yes Septic Inspection Fee Section C. Can Shop No Short Sale Negotiation Fee Section H. Other No State Tax/Stamps Section E. Transfer Taxes No Structural/Other Inspection Section C. Can Shop No Subordination Fee Section B. Cannot Shop Yes Tax Service Fee Section B. Cannot Shop Yes Technology Fee Section H. Other No Texas Attorney Review Fee Section B. Cannot Shop Yes Title Abstract Search Section C. Can Shop No Title Assessment Search Fee Section C. Can Shop No Title Bankruptcy Search Section C. Can Shop Yes Title Chain of Title Section C. Can Shop No Title Check Processing Fee Section C. Can Shop Yes Title Closing Attorney Fee Borrower Chosen Section C. Can Shop Yes Title Closing Coordination Fee Section C. Can Shop Yes Title Closing Protection Letter Section C. Can Shop Yes Title Closing/Settlement/Attorney Fee Section C. Can Shop Yes Title Co Op Payoff Processing Fee Section C. Can Shop Yes Title Copy/Fax Section C. Can Shop Yes Title Courier fee Section C. Can Shop Yes Title Digital Archive Fee Section C. Can Shop Yes Title Disbursement Fee Section C. Can Shop Yes Title Doc Processing Fee Section C. Can Shop Yes Title Document Preparation Fee Section C. Can Shop No Title Document Storage Fee Section C. Can Shop Yes Title E and O Report Section C. Can Shop No Title E Doc Title Fee Section C. Can Shop Yes Title Early Issue fee Section C. Can Shop Yes Title Environmental Protection Lien Section C. Can Shop No Title E Recording Fee Section C. Can Shop Yes Title Escrow Service Fee Section C. Can Shop Yes Title Estoppel Fee Section C. Can Shop No Title Final Title Report Section C. Can Shop No Title GA Attorney Fee Section C. Can Shop Yes Title Gap Check Section C. Can Shop Yes Title Gap Risk Fee Section C. Can Shop Yes Page 4 of 6 Rev
5 Title Guaranty Fee Section C. Can Shop No Title HOA Doc Processing Fee Section C. Can Shop Yes Title IL Predatory Lending Database Fee Section C. Can Shop Yes Title Insurance Binder Section C. Can Shop No Title Iowa Title Guaranty Fee Section C. Can Shop No Title Lender Required Survey Fee Section C. Can Shop No Title Lender Title Insurance Section C. Can Shop No Title Lenders Coverage Premium Section C. Can Shop No Title Lien Search Section C. Can Shop No Title Loan Sign Up Fee Section C. Can Shop Yes Title Loan Tie In Fee Section C. Can Shop Yes Title Mobile Notary Fee Section C. Can Shop No Title Mortgage Tracking Fee Section C. Can Shop Yes Title Municipal Search Section C. Can Shop No Title Name Search Fee Section C. Can Shop No Title NC Attorney Fee Section C. Can Shop Yes Title New Construction Inspection Fee Section C. Can Shop No New Construction Title New Loan Service Fee Section C. Can Shop Yes Title New York Bank Attorney Fee Section C. Can Shop Yes Title Notary Fees Section C. Can Shop No Title Opinion Fee Section C. Can Shop No Title Owners Coverage Premium (Optional) Section H. Other No Title Owner's Title Insurance (Optional) Section H. Other No Title Patriot Search Section C. Can Shop Yes Title Payoff Cancellation Fee Section C. Can Shop Yes Title Payoff Processing Fee Section C. Can Shop Yes Title Plat Map Fee Section C. Can Shop No Title Post Closing Fee Section C. Can Shop Yes Title Recording Service Fee Section C. Can Shop Yes Title Re Draw Section C. Can Shop Yes Title Release/Reconveyance Fee Section C. Can Shop Yes Title Required Survey Section C. Can Shop No Title Sales Tax Fee Section C. Can Shop Yes Title Scanning Fee Section A. Origination Charges Yes Title Sub Escrow Fee Section C. Can Shop Yes Title Survey Section C. Can Shop No Title Tax Certificate Fee Section C. Can Shop Yes Page 5 of 6 Rev
6 Title TIEFF (Lender's Policy) Section B. Cannot Shop No Title TIEFF (Owner's Policy) Section H. Other No Title Title Endorsement Section C. Can Shop No Title Title Examination Section C. Can Shop No Title Title Indemnity Fee Section C. Can Shop Yes Title Title Restrictions Section C. Can Shop Yes Title Title Search Section C. Can Shop No Title Title Update Fee Section C. Can Shop No Title Transfer of Title Fee Section C. Can Shop Yes Title Transfer of Title Fee Section C. Can Shop Yes Title Wire Transfer Fee Section C. Can Shop Yes Transfer Tax Section E. Transfer Taxes No Translation Fee Section B. Cannot Shop Yes UCC 1 Filing Fee Section E. Government Recording Fees No UCC 3 Amendment Fee Section E. Government Recording Fees No UCC 3 Assignment Fee Section E. Government Recording Fees No UCC 3 Subordination Fee Section E. Government Recording Fees No UCC 3 Termination Fee Section E. Government Recording Fees No Underwriting Fee Section A. Origination Charges Yes Not permitted on WHL loans. CL1 clients may charge. Verbal VOE Third Party Section B. Cannot Shop Yes Verification of Deposit (Paid to Bank/Depositor) Section B. Cannot Shop Yes Warehousing Fee Section A. Origination Charges Yes Not permitted on WHL loans. CL1 clients may charge. Well Inspection Fee Section C. Can Shop No Well/Septic Fee Section C. Can Shop No Wire Fee Section A. Origination Charges Yes Not permitted on WHL loans. CL1 clients may charge. Wire Transfer Fee Section A. Origination Charges Yes Not permitted on WHL loans. CL1 clients may charge. Page 6 of 6 Rev
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