Additional Details for Services You Can Shop For 2025

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The document provides a list of service providers for various services related to a loan estimate, allowing applicants to either choose from identified providers or shop for their own. It includes contact information and details relevant to the loan ID.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

When a consumer is permitted to shop for a service, what must a lender provide to the borrower?

The lender must provide you with a written list of closing service providers when they give you the Loan Estimate. Closing services may also be known as settlement services. You may be able to use a service provider that is not on this list, as long as the lender agrees to work with that service provider.

Which closing costs are optional?

Section A includes: Origination charges collected by the lender Origination fees paid to brokers, loan officers or other parties and Discount Points - prepaid interest. These figures should match your original Loan Estimate.

What does services borrower did shop for mean?

Compare these services to your loan estimate. Services borrower did shop for: Fees for services that you shopped for related to your mortgage will be listed here, like a pest inspection, a title search or a survey. Closing costs/cash to close: The terms are similar, but dont mean the same thing.

What are section A fees?

The most important thing to remember when comparing official Loan Estimates across lenders is that only the interest rate, Origination Charges, Lender Credits, and Mortgage Insurance (if applicable) should factor into your cost comparison. All other fees will be the same at closing regardless of the lender you choose.

What are services you cannot shop for?

They may include: appraisal, which puts a value on your property on the lenders behalf. a credit report on you. fees to assess flood risk of your property, or for ongoing monitoring of flood zone changes related to your property. tax monitoring to keep track of your property tax payments.

What services borrower did not shop for?

Home warranty and owners title insurance are optional. However, waiving them at closing may leave homeowners vulnerable to costly expenses down the road, so the decision to forgo them should not be made lightly.

What must the written list of service providers include?

If the creditor permits the consumer to shop for a settlement service it requires, 1026.19(e)(1)(vi)(C)[Written List of Providers] requires the creditor to provide the consumer with a written list identifying at least one available provider of that service and stating that the consumer may choose a different provider

Additional Details for Services You Can Shop For 2025

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