Legal Disclosures

As part of your application, we are required to provide you with certain disclosures.

For your benefit, you must be able to print these disclosures and retain them for your reference. This requires that you have a printer that enables you to print screens from your internet browser or the ability to download information in order to keep copies for your records. By clicking on the continue button below, you are confirming that you have that capability.

If you are offered a mortgage loan, these notices will be supplemented by additional disclosures, including but not limited to the Good Faith Estimate, Truth in Lending Statements, servicing of your loan, appraisal reports, and if applicable, the ARM disclosure. Once you have completed an application for a mortgage loan, you will receive information about fees, interest rates and points, as well as an estimate of the loan processing time.

If you have any questions, or would prefer to complete a written loan application, please contact us at 800-779-5274.

ECOA NOTICE

Notice Required under the Fair Credit Reporting Act

In compliance with the Fair Credit Reporting Act, we are informing you that an investigative report will be made. We are also informing you that you have a right to make a written request, within a reasonable period of time after you receive this notice, for an additional disclosure of the nature and scope of the investigation requested. To save you the trouble of writing, we are furnishing this additional information as follows:

The nature and scope of the investigation requested may include information obtained throughout personal interviews concerning residence verification, number of dependents, employment, occupation, general health, habits, reputation and mode of living.

Notice under the Equal Credit Opportunity Act

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derived from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning a creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington D.C. 20580, 202-724-1140.

You, as a borrower, have the following rights when answering questions:

You do not have to reveal any information regarding courtesy titles; i.e., you do not have to state whether you are Miss, Mr., Mrs., or Ms. Your first name and surname (whether birth-given, obtained through marriage, or a combined surname) is sufficient.

You do not have to reveal any information regarding the receipt of alimony, child support, or separate maintenance income if you do not choose to have it considered as a basis for repaying this loan.

When answering questions pertaining to marriage, you need only reveal whether you are married, separated, or unmarried. (Unmarried includes single, divorced, or widowed.)

Certain information regarding your race/national origin and sex will be asked. This information is requested by the Federal Government in order to monitor compliance with Federal anti-discrimination statuses, which prohibit creditors from discriminating against applicants for these reasons. You do not have to give this information; it is voluntary. If you choose not to furnish this information, you must initial the application in the space provided. Your decision will in no way affect the approval or rejection of your application.

Notice Required by the Right to Financial Privacy Act

If you are applying for an FHA or VA loan, this is notice to you as required by the Right to Financial Privacy Act of 1978 that the Department of HUD or a VA Loan Guaranty Service or Division (whichever is appropriate) has a right of access to financial records held by financial institutions in connection with the consideration or administration of assistance to you.
Financial records involving your transaction will be available to the Department of HUD or to a VA Loan Guaranty Service or Division (whichever is appropriate) without further notice or authorization, but will not be disclosed or released to another government agency or department without your consent except as required or permitted by law.

CALIFORNIA

If you receive an offer for a mortgage loan, you will receive a good faith estimate required under RESPA and an initial disclosure statement required under the TILA, each within three business days from the date you submit an application.
If your request for credit is denied, and that action is based in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report furnished by the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly. Regardless of marital status, an applicant may apply for credit in the applicant's own name.

CALIFORNIA HOLDEN ACT-FAIR LENDING NOTICE: THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977

It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

1. Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice or;

2. Race, color, religion, sex, marital status, national origin or ancestry.

It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one-to-four-unit family residences occupied by the owner and for the purpose of the home improvement of any on-to-four-unit family residence..

If you have questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

DEPARTMENT OF CORPORATIONS
320 WEST 4TH STREET
SUITE 750
LOS ANGELES, CA 90013-1105
213-576-7500

DEPARTMENT OF CORPORATIONS
1390 MARKET STREET
SUITE 810
SAN FRANCISCO, CA 94102-5303
415-557-3787

CONNECTICUT

The borrower may have legal interests that differ from Gateway Funding's. Gateway Funding may not require that Gateway Funding's attorney represent the borrower. The borrower may waive the right to representation by an attorney. Any complaints regarding violations of these rights may be directed to the Connecticut Department of Banking.
If you are offered a mortgage loan, you will be notified whether mortgage insurance is required for your loan.

DELAWARE

2203 Licensed Lenders Regulations Itemized Schedule of Charges

5 Del.C.  2218(5) and  2231(3))
Formerly Regulation No. 5.2218/2231.0003
Effective Date: November 12, 1999

1.0 Notification - Every licensee shall furnish to every applicant, a copy of this regulation at the time when such application is made. Posting of this regulation in the office of the licensee in a place both prominent and easily visible to all potential applicants shall satisfy this requirement. An explanation as to the contents and limitations contained herein shall satisfy this requirement when transactions occur telephonically. An informational screen containing these limitations with an affirmative acknowledgement by the consumer, prior to application, shall satisfy this requirement for internet transactions.

2.0 Interest

2.1 A lender may charge and collect interest in respect to a revolving credit plan or closed end loan at such daily, weekly, monthly, annual, or other periodic percentage rate or rates as the agreement governing the plan or loan provides, or as established in the manner provided in such agreement. Periodic interest may be calculated on a revolving credit plan using any balance computation method provided for in the agreement governing the plan. Periodic interest may be calculated on a closed end loan by way of simple interest or such other method as the agreement governing the loan provides.

2.2 If the agreement governing the revolving credit plan or closed end loan so provides, the periodic percentage rate or rates of interest may vary in accordance with a schedule or formula. Such periodic percentage rate or rates may vary from time to time as the rate determined in accordance with such schedule or formula varies and such periodic percentage rate or rates, as so varied, may be made applicable to all or any part of the outstanding unpaid indebtedness or outstanding unpaid amounts. In the case of revolving credit, such rate shall become applicable on or after the first day of the billing cycle that contains the effective date of such variation. In the case of closed end loan transactions, such rate may be made applicable to all or any part of the outstanding unpaid amounts on and after the effective date of such variation. Without limitation, a permissible schedule or formula hereunder may include provisions in the agreement governing the revolving credit plan or closed end loan agreement for a change in the periodic percentage rate or rates of interest applicable to all or any part of outstanding unpaid indebtedness or outstanding unpaid amounts, whether by variation of the then applicable periodic percentage rate or rates of interest, variation of an index or margin or otherwise, contingent upon the happening of any event or circumstance specified in the plan or agreement, which event or circumstance may include the failure of the borrower to perform in accordance with the terms of the revolving credit plan or loan agreement.

3.0 Additional Fees and Charges; Limitations - If the agreement governing the plan or loan so provides, in addition to, or in lieu of, interest at a periodic percentage rate or rates permitted by Chapter 22, Title 5 of the Delaware Code, the licensee may charge and collect the following fees and charges, subject to the limitations provided below, in respect to revolving credit plans or closed end loans:

3.1 Revolving Credit - with respect to a borrower, a lender may charge, collect, or receive one or more of the following fees and charges under plans subject to the provisions of Subchapter II, Chapter 22, Title 5 of the Delaware Code:

3.1.1 Periodic charges - a daily, weekly, monthly, annual or other periodic charge in such amount or amounts as the agreement may provide for the privileges made available to the borrower under the plan;

3.1.2 Transaction charges - a transaction charge or charges in such amount or amounts as the agreement may provide for each separate purchase or loan under the plan;

3.1.3 Minimum charges - a minimum charge in such amount or amounts as the agreement may provide for each daily, weekly, monthly, annual or other scheduled billing period under the plan during any portion of which there is an outstanding unpaid indebtedness under the plan;

3.1.4 Fees for services rendered or reimbursement of expenses - reasonable fees for services rendered or for reimbursement of expenses incurred in good faith by the licensee or its agent in connection with such loan, including without limitation, commitment fees, official fees and taxes, premiums or other charges for any guarantee or insurance protecting the licensee against the borrower's default or other credit loss, or costs incurred by reason of examination of title, inspection, recording and other formal acts necessary or appropriate to the security of the loan, filing fees, attorney's fees and travel expenses. In the event a borrower defaults under the terms of a plan, the licensee may, if the borrower's account is referred to an attorney (not a regularly salaried employee of the licensee) or to a third party for collection and if the agreement governing the revolving credit plan so provides, charge and collect from the borrower a reasonable attorney's fee. In addition, following a borrower's default, the licensee may, if the agreement governing the plan so provides, recover from the borrower all court, alternative dispute resolution or other collection costs (including, without limitation, fees and charges of collection agencies) actually incurred by the licensee;

3.1.5 Over limit charges - a charge in such amount or amounts as the agreement may provide, for each daily, weekly, monthly, annual or other scheduled billing period under the plan during any portion of which the total outstanding indebtedness exceeds the credit limit established under the plan;

3.1.6 Delinquency charges - a late or delinquency charge upon any outstanding unpaid installment payments or portions thereof under the plan which are in default; provided, however, that no more than 1 such late or delinquency charge may be imposed in respect of any single such installment payment or portion thereof regardless of the period during which it remains in default; and provided further, however, that for the purpose only of the preceding provision all payments by the borrower shall be deemed to be applied to satisfaction of installment payments in the order in which they become due;

3.1.7 Returned check charges - a returned check charge may be assessed to consumers, in such amount or amounts as the agreement may provide, provided the amount(s) of such charges are customary and reasonable for checks that are returned unpaid;

3.1.8 Termination fees - a charge in such amount or amounts as the agreement may provide to terminate a revolving credit plan;

3.1.9 Charges incurred in connection with real estate secured transactions - in the case of revolving credit secured by real estate such additional charges as outlined in item 3.3 of this regulation may also be collected within the limitations stated therein.

3.2 Closed End Credit - with respect to a borrower, a lender may charge, collect, or receive one or more of the following fees and charges for loans subject to the provisions of Subchapter III, Chapter 22, Title 5 of the Delaware Code:

3.2.1 Fees for services rendered or reimbursement of expenses - reasonable fees for services rendered or for reimbursement of expenses incurred in good faith by the licensee or its agent in connection with such loan, including without limitation, commitment fees, official fees and taxes, premiums or other charges for any guarantee or insurance protecting the licensee against the borrower's default or other credit loss, or costs incurred by reason of examination of title, inspection, recording and other formal acts necessary or appropriate to the security of the loan, filing fees, attorney's fees and travel expenses. In the event a borrower defaults under the terms of the loan, the licensee may, if the borrower's account is referred to an attorney (not a regularly salaried employee of the licensee) or to a third party for collection and if the agreement governing, or the bond, note or other evidence of, the loan so provides, charge and collect from the borrower a reasonable attorney's fee. In addition, following a borrower's default, the licensee may, if the agreement governing , or the bond, note or other evidence of, the loan so provides, recover from the borrower all court, alternative dispute resolution or other collection costs (including, without limitation, fees and charges of collection agencies) actually incurred by the licensee;

3.2.2 Deferral charges - a deferral charge may be assessed to a borrower in accordance with an agreement to permit the borrower to defer installment payments of a loan;

3.2.3 Delinquency charges - if the agreement governing the loan so provides, a late or delinquency charge may be imposed upon any outstanding unpaid installment payment or portions thereof under the loan agreement which are in default; provided, however, that no more than 1 such delinquency charge may be imposed in respect of any single such installment payment or portion thereof regardless of the period during which it remains in default; and provided further that no such delinquency charge may exceed 5% of the amount of any such installment or portion thereof in default;

3.2.4 Returned check charges - if the agreement governing the loan so provides, a returned check charge may be assessed to consumers, for checks that are returned unpaid provided the amount(s) of such charges are customary and reasonable;

3.2.5 Charges incurred in connection with real estate secured transactions - in the case of closed end credit secured by real estate such additional charges as outlined in item (3)(c) of this regulation may also be collected within the limitations stated therein.

3.3 Real Estate Secured Transactions - with respect to a borrower, a lender may charge, collect, or receive one or more of the following fees and charges subject to the limitations herein, for loans subject to the provisions of Subchapters II (Revolving Credit) and III (Closed End Credit), Chapter 22, Title 5 of the Delaware Code when such loans are secured by real estate:

3.3.1 Loan origination points - points charged to the borrower on the lender's behalf for any purpose other than to reduce the periodic interest rate applicable to the mortgage loan may not exceed 10% of the principal amount of the loan. Such points may be deducted from the gross proceeds of the loan. For purposes of this regulation "gross proceeds" is the amount financed as defined in Federal Reserve Regulation Z;

3.3.2 Loan discount points - points charged to the borrower as a function of rate for the purpose of reducing the periodic interest rate applicable to the mortgage loan. Such points may be deducted from the gross proceeds of the loan;

3.3.3 Property appraisal fees - property appraisal fees shall be limited to the amount paid to a third party for such appraisal and shall be limited to those amounts that are customary and reasonable;

3.3.4 Credit report fees - credit report fees shall be limited to the actual cost of the report if paid to a third party, not an employee of the lender or affiliate. Such amounts shall be customary and reasonable;

3.3.5 Mortgage loan broker compensation fees - mortgage loan broker compensation may be deducted from the gross proceeds of the loan. Such amounts shall reasonably reflect the value of the goods, services and facilities provided;

3.3.6 Tax certification and service fees - fees for agreements to provide certification of the current tax status of the property as well as fees for ongoing monitoring and notice to the lender of all tax and improvement lien payments as they become due shall be limited to those amounts actually expended for such purposes. Such amounts shall be customary and reasonable;

3.3.7 Flood hazard certification or determination fees - determination fees may be charged for determining whether the property is or will be located in a special flood hazard area. This fee may also include the cost of life-of-loan monitoring. Such amounts shall be customary and reasonable;

3.3.8 Title abstract/search/examination and title insurance premiums - title insurance and/or cost of a title certificate, search, examination and binder shall be limited to those amounts actually expended for such purposes. Such amounts shall be customary and reasonable and may, at the borrower's discretion, include owner's coverage in addition to lender's coverage;

3.3.9 Legal fees - legal fees incurred in securing or closing a loan shall be limited to amounts actually paid to an attorney not in the employ of the lender, its parent, or affiliate, and such charges shall not exceed those which are customary and reasonable;

3.3.10 Recording/satisfaction fees - recording/satisfaction fees shall be limited to those actually expended by the lender to any governmental authority for protection of interest in collateral tendered. The State Bank Commissioner may approve the payment of alternative fees for this purpose provided the amount of said fee (payable by the borrower) shall not exceed the amount which would be payable to any governmental authority for protection of interest in collateral tendered;

3.3.11 Property survey fees - property survey fees to obtain a drawing that delineates the exact boundaries of a property, including lot lines and placement of improvements on the property, shall be limited to those amounts actually expended for such purposes. Such amounts shall be customary and reasonable;

3.3.12 Pest inspection fees - pest inspection fees to cover inspections for termites or other pest infestation on the property shall be limited to those amounts actually expended for such purposes. Such amounts shall be customary and reasonable;

3.3.13 Fees incidental to loan closing - other fees and charges including but not limited to: odd days interest, hazard and mortgage insurance premiums, escrow reserves, lender's inspection fees, mortgage insurance application fees, assumption fees, underwriting fees, document preparation fees, settlement or closing fees, notary fees, funding fees, fees for lead based paint or other inspections and overnight mail fees may be charged and such amounts shall be customary and reasonable;

3.3.14 Prepayment penalties - a charge in such amount or amounts as the agreement so provides imposed in connection with the payoff and termination of a revolving credit plan or closed end loan secured by real estate;

3.3.15 Notwithstanding the provisions of item 3.3 of this regulation, Licensed Lenders who are making mortgage loans pursuant to the rules, regulations, guidelines and/or loan forms established by the State of Delaware or federal governmental or quasi-governmental entity (including, without limitation: the Federal Housing Administration, the Department of Veterans Affairs, the Farmers Home Administration, the Government National Mortgage Association, the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation) shall be permitted to charge and collect any fees, charges or sums prescribed to be charged and collected in connection with a mortgage loan originated pursuant to a lending program conducted or supervised by any such entity.

See 3 DE Reg. 653 (11/01/99)

FLORIDA

If you receive an offer for a mortgage loan, a good faith estimate of various third party fees required in connection with your loan and additional disclosures required by law. The documentation you receive will include information on the refundability of any fees paid.

MASSACHUSETTS

Pursuant to Massachusetts law, please be advised that (1) the responsibility of the attorney for a lender is to protect the Lender's interests; (2) you have the right to representation by your own attorney, at your expense, to represent your interest in the transaction;(3) the expiration date and interest rate of your note will depend upon the terms of the loan that you select; and (4) as of the expiration date of the note, the lender may demand payment of the note, may rewrite the note by agreement at a greater or lesser rate of interest, or may, by agreement, allow payments to be made on the note at the same, or a lesser or greater rate of interest.

MORTGAGE LENDER DISCLOSURES REQUIRED BY THE ATTORNEY GENERAL'S CONSUMER PROTECTION REGULATIONS

If you have any questions about your legal rights you should consult your own lawyer, especially before you sign any documents or pay any money. If you are an elder, special services may be available for you. Contact the Massachusetts Executive Office of Elder Affairs by calling 727-7750 or 1-800-882-2003 for further information.

Do not sign any application forms with blank spaces or with incorrect information.

NEW JERSEY

Interest rates and charges fluctuate according to market conditions. None of our employees can predict interest rate movements. Depending on the loan program for which you apply, you may be given the opportunity to "float" or "lock-in" your interest rate and/or related charges. "Lock-In" means to reserve the interest rate and/or charges for a specific number of calendar days, called a "Lock-In Period," regardless of the prevailing terms offered to the public. Additional information about locking-in or floating your interest rate and/or related charges contained in a Lock-In Agreement. You will be required to sign a Lock-In Agreement at the time of application. The Lock-In Agreement will indicate whether or not you have locked-in your interest rate and/or related charges.

We estimate that it will take 60 calendar days or less from the date we receive your mortgage application for you to receive a mortgage loan commitment. If we determine that this estimate is subsequently unrealistic, we may return your mortgage loan application and all fees paid by you and offer you the opportunity to reapply subject to a new estimate.

During the processing of your loan, if we become aware of circumstances which require further review or documentation, we reserve the right to modify our estimate of days required to make a loan decision.

In the course of processing your application, it will be necessary to use overnight mail or courier services on one or more occasions. By signing below, you will authorize us to use express mail or courier services as needed, and to bill you at closing for any such services.

BORROWERS OBLIGATIONS:

You agree that you or your agents will:

1. Provide requested information and/or documentation within the required time frame and in the manner we specify; and

2. Provide accurate and complete information which corresponds with all other information and/or documentation supplied by you or your agents. In the event your loan is approved and a commitment is issued, you or your agents must:

3. Produce on or before the date we specify all documentation requested in the commitment or closing instructions; and

4. Be ready, willing and able to close your loan on or before the date we specify.

CHARGES/FEES:

You will be receiving a "Good Faith Estimate" which outlines certain charges we anticipate you will pay in connection with your mortgage loan. Many of the charges are due at the time of closing. However, we may require the payment of some of the fees or charges explained below prior to closing.

1. APPLICATION FEES  The application fee is a flat fee for the processing of your application. The application fee does not include any type of express mail or additional third party charges. The application fee is not refundable if you withdraw your application or your loan is denied.

2. DISCOUNT POINTS  A discount point is defined as an amount of money equal to one percent of the principal amount of the loan, and is payable only at closing. All origination fees, discount fees and lock-in fees, if applicable to your loan, will be applied toward the total discount points due and payable at the time of closing.

3. LOCK-IN FEES  A lock-in fee is a fee charged by a lender as consideration for execution and fulfillment of the terms of a Lock-in Agreement. A lock-in fee may be charged by the lender if you choose to lock-in your interest rate and discount points for an extended period of time. A lock-in fee (usually 1% of the loan amount) may be collected at the time a Lock-In Agreement is assigned by you. Any lock-in fees paid by you prior to the closing of your loan will be applied toward the total origination and/or discount points due and payable at the time of closing. A lock-in fee is non-refundable, except as otherwise expressly provided in a Lock-In Agreement or as may be required by applicable law.

4. COMMITMENT FEE  A commitment fee is a fee charged by a lender as consideration for binding the lender to make a loan in accordance with the terms and conditions of its Mortgage Loan Commitment and is payable on or after acceptance of the Mortgage Loan Commitment.

5. THIRD PARTY CHARGES  Third party charges are fees paid or actually incurred by the lender on behalf of a mortgage loan applicant incident to the processing of a mortgage loan application or the closing of a loan. These fees include, but are not limited to the following (dollar amounts are estimates and may change based on actual charges incurred):

1. Appraisals - $250 - $1,000
2. Credit Reports - $59.00
3. Flood Certification - $21.00
4. Courier Services - $45.00
5. Survey - $275.00
6. Tax Service Fee - $100.00

6. REFUNDABILITY Unless we specifically tell you otherwise in writing, once charges/fees have been collected, they are non-refundable. Any third party fees which are not actually paid or incurred by the lender will be refunded to you. All other changes/fees will be refunded to you only if required by law (See N.J.A.C. Subsection 3:1 - 16 et seq.).

This Application Disclosure is intended to supplement other disclosures you will receive including but not limited to the Good Faith Estimate, HUD Settlement Cost Booklet, Initial Truth-In- Lending (Reg Z) and, if applicable, ARM disclosure. These other disclosures describe certain material aspects of your loan. Please review all documents you receive from us carefully.

This Application Disclosure constitutes neither an approval of your loan nor a commitment by us to make you a loan.

NEW YORK

ADVANCE FEES: The following fees may be charged in connection with the processing of your loan application. Other fees not shown here may be payable later and are shown on the Good Faith Estimate of Closing Costs. Nonrefundable fees are subject to applicable limitations of state or federal law.

Application Fee, Lock-In Fee, Appraisal Fee, Processing Fee, Credit Report Fee. (The actual amounts of these fees will vary depending on the loan size and program, and will be set forth on the Good Faith Estimate of Closing Costs. The property appraisal fee and credit report fee will be estimates of the actual cost of the services. Should the actual cost exceed the estimate, you understand that you will be billed and will pay the shortfall at or prior to closing).
The application fee is non-refundable in any event. The lock in fee is non-refundable except if the loan application is denied and you provided us complete and accurate information.

PREPAYMENT PENALTIES: I understand that certain mortgage products impose a prepayment penalty on the borrower. We will disclose the amount of, or the formula for calculating, the prepayment penalty, and the terms of the prepayment penalty, if any, as soon as we know them.

NEW YORK FAIR CREDIT REPORTING ACT: A credit report may be ordered in connection with your application. Upon your request, we will inform you whether or not a report was ordered. If a report was ordered, we will tell you the name and address of the consumer reporting agency that provided the report.

APPLICATION QUESTIONS: I understand that I may address questions or comments about my application to 856-797-8150 at Gateway Funding Mortgage. If I live more than 50 miles from the office at which my file is being processed, I may call you at 1-877-936-2775, or if unavailable, I may call you collect.

INTEREST RATE DISCLOSURE: I understand that the interest rate on my loan will be set 7 days before closing, or at my option for an additional fee of one percent I may lock in my interest rate at any time 7 days prior to closing.

NORTH CAROLINA

If you are offered a mortgage loan, you will receive a copy of the Amortization Information Disclosure, pursuant to North Carolina General Statutes Sec. 24-1.1A (a1).

RHODE ISLAND

Notice regarding nonrefundability of loans fees: You have received a good faith estimate or other itemization of fees and charges showing the loan fees and similar charges you are likely to pay to obtain this loan. As provided in Rhode Island general laws section 34-23-6, none of these or other fees and charges will be refunded in the event the loan is prepaid in whole or in part.
The borrower has the right to select a qualified title attorney or title insurance company of his or her own choice to search the title of the subject real estate and to furnish title insurance.

VIRGINIA

Once you have completed an application for a mortgage loan, you will receive information about fees, interest rates and points, as well as an estimate of the loan processing time.