Special Report Exposes All Of The Terms And Fees That Are Charged To Buyers At Settlement

The following is a sample of this special report:

All lenders and brokers are required to provide you with a Good Faith Estimate detailing the services you may be required to get and pay for in connection with your loan.

This Good Faith Estimate will give you a way to compare loans and see what your closing costs would be. Below you will find a list of coded names that describe the different fees, which may be associated with the services previously mentioned. These codes and names correspond to those found on the HUD-1 Settlement Statement.

Broker Fees

  • 700 - Sales/Broker's Commission:
    If you use a real estate agent or broker to buy a house, the seller (not you) of the house will usually pay a fee to the real estate agent/broker. This commission is usually a percentage of the sales price.

Lender Fees

  • 801 - Loan Origination Fee
    A fee to cover the lenders costs for obtaining financing and administrative costs, most often expressed as a percentage of the loan amount (1% = 1 point). Can be a flat fee and/or paid by sellers and third parties.

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Sierra Pacific Mortgage
Office Hours: Monday through Friday 8:30am to 5:00pm
Mike McIntosh
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1380 Lead Hill Boulevard
Suite 106
Roseville, California 95661
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