Below is a chart showing all of the types of potential closing costs associated with a home loan and which fees may be charged by LBS Financial, depending on your loan type:
| Customary Fees & Charges | LBS Financial |
|---|---|
| Loan origination fees | If applicable |
| Loan discount/origination points | If applicable |
| Application/processing/underwriting fees | Yes |
| Document preparation fees | Yes |
| Appraisal fees | Yes |
| Credit report fees | Yes |
| Mortgage insurance | If applicable |
| Tax service | If applicable |
| Flood determination fee | Yes |
| Escrow fees | Yes |
| Attorney fees | No |
| Abstract or title fee | If applicable |
| Title insurance | Yes |
| Recording fee and transfer taxes | Yes |
| Notary fee | Yes |
| Survey fee | No |
During a refinance, you may have costs for adjustments or prorations. These are called pre-paid costs, such as property taxes, prepaid interest, and homeowner hazard insurance.
