d. Lender’s 1% Flat Charge (continued)

The following list provides examples of items that cannot be charged to the veteran as “itemized fees and charges.”  Instead, the lender must cover any cost of these items out of its flat fee.

·   Lender’s appraisals

·   Lender’s inspections, except in construction loan cases

·   loan closing or settlement fees

·   document preparation fees

·   Preparing loan papers or conveyancing fees

·   Attorney’s services other than for title work

·   photographs

·   interest rate lock-in fees

·   postage and other mailing charges, stationery, telephone calls, and other overhead

·   amortization schedules, pass books, and membership or entrance fees

·   escrow fees or charges

 Examples of items that cannot be charged to the veteran:

·   notary fees

·   commitment fees or marketing fees of any secondary purchaser of the mortgage and preparation and recording of assignment of mortgage to such purchaser

·   trustee’s fees or charges

·   loan application or processing fees

·   fees for preparation of truth-in-lending disclosure statement

·   fees charged by loan brokers, finders or other third parties whether affiliated with the lender or not, and

·  tax service fees.