| Application fee, credit reports and appraisal fees
are non-refundable. The credit report fee and the appraisal fee
are good faith estimates of the actual cost. Any amount collected
in excess of the actual cost will be returned at or prior to closing.
This fee does not include other standard fees
and closing costs you will incur if your loan is approved. They
may include, without limitations, lender points and fees, title
insurance, mortgage tax, lenders attorney’s fees, and any
other fees and charges as may be required by the lender, or that
you may choose to incur, such as attorney’s fees.
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