OTHER FEES: The Other Fees Category in the Typical Fees example includes charges that affect the Annual Percentage Rates such as the closing fee charged when necessary to close the loan at a title company or attroney's office. The Typical Fees example does not include charges such as Title Insurance, Homeowners Insurance, Real Estate Taxes, or recording fees. These fees are only representative examples of the typical fees associated with a mortgage loan. Other fees may apply depending on the specific transaction.

The Annual Percentage Rate does not include amounts for Private Mortgage Insurance premiums, FHA Upfront Mortgage Insurance premium or the VA Funding Fee. If any of these charges are required the actual Annual Percentage Rate will be higher.