VA|CFPB Audit - Fees Keys

Reference the following documents to complete this audit:
(provided by your Lender)

Certificate of Eligibility (COE)
Notice of Value (NOV)
CFPB Closing Disclosure
CFPB Loan Estimate
Lender List of Service Fees, if applicable
Credit Reports

Select the FIRST OPTION that describes the COE Status and Down Payment of this mortgage:

Exempt (Veterans with AT LEAST a 10% service-connected disability & COE Entitlement Code 6, Surviving Spouse)

Interest Rate Reduction Refinance Loan (IRRRL) (COE is NOT required)

Consecutive Use / less than 5% Down Payment (COE Entitlement Code 5)
(if more than 5% Down Payment, select from one of the remaining options)

Regular Military / at least 10% Down Payment Regular Military / at least 5% Down Payment
Regular Military (COE Entitlement Codes 1-4 and 7-10)

Reserve-ANG / at least 10% Down Payment Reserve-ANG / at least 5% Down Payment
Reserve-ANG (COE Entitlement Code 11)

8%

Is Condition 10, Fee Appraiser/Fee Compliance Inspector, "checked" on your Notice of Value (NOV)?

No Yes

16%

Is this a Construction Loan?

No

Yes, but the lender DID NOT supervise the progress of construction.

Yes, and the lender DID supervise the progress of construction.

(For Construction Loans with multiple closings, add like-charges from each closing before entering into remaining fields; e.g. 1st Closing Lender Credits + 2nd Closing Lender Credits = Lender Credits)

24%

Enter your Closing Date:
(located on page 1, Closing Information, of your Closing Disclosure)

32%

Select the State, Commonwealth or Territory where the property is located:
(located on page 1, Closing Information, of your Closing Disclosure)

40%

Select your Lender:
(located on page 1, Transaction Information, of your Closing Disclosure)

48%

Enter your VA Loan ID #:
(located on page 1, Loan Information, of your Closing Disclosure)

- - -

56%

Enter your Loan Amount:
(located on page 1, Loan Terms, of your Closing Disclosure)

(No commas please)

Loan Amount:

$ .00

64%

Enter your "A. Origination Charges":
(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Borrower-Paid
(No commas please)

A. Origination Charges (Total):

$ .00

(A. Origination Charges (Total) will not necessarily equal the total of the fees entered below)

If charged, enter the fees below, else enter zeros (0). Do NOT add a fee if it is not listed below:

Origination Charge:

$ .00

Credit Report(s):

$ .00

(Each Credit Report will have a charge on it; this entry should equal the sum of ALL Credit Reports)

Tax Service:

$ .00

Re-Inspection Fee:

$ .00

Brokerage Fees:

$ .00

VA Funding Fee:

$ .00

Application Fee:

$ .00

Transfer Fee:

$ .00

Pest Insp/WDO Fee:

$ .00

72%

Enter your "B. Services Borrower Did Not Shop For":
(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Borrower-Paid
(No commas please)

B. Services Borrower Did Not Shop For (Total):

$ .00

(B. Services Borrower Did Not Shop For (Total) will not necessarily equal the total of the fees entered below)

Enter the charged Title Fees below, else enter zero (0). Do NOT add a fee if it is not listed below:

Settlement / Closing Fee:

$ .00

Closing Protection Letter (CPL) Fee:

$ .00

Notary Fee:

$ .00

Signing Fee:

$ .00

Document Prep Fee:

$ .00

Recording Fee:

$ .00

Re-Key Fee:

$ .00

Postage, Fax, Phone, Copy or Courier Fees:

$ .00

C. Services Borrower Did Shop For:

If ANY of the charges from this section are from a Lender provided list, add them to the Total of "B. Services Borrower Did Not Shop For," above.

80%

Enter Lender & Seller "A. Origination Charges" Credits:
(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

(No commas please)

Origination Charge Credit:

$ .00

Credit Report(s) Credit:

$ .00

Tax Service Credit:

$ .00

Re-Inspection Fee Credit:

$ .00

Brokerage Fees Credit:

$ .00

VA Funding Fee Credit:

$ .00

Application Fee Credit:

$ .00

Transfer Fee Credit:

$ .00

Pest Insp/WDO Fee Credit:

$ .00

88%

Enter Lender & Seller "B. Services Borrower Did Not Shop For" Credits:
(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

(No commas please)

Settlement / Closing Fee Credit:

$ .00

Closing Protection Letter (CPL) Fee Credit:

$ .00

Notary Fee Credit:

$ .00

Signing Fee Credit:

$ .00

Document Prep Fee Credit:

$ .00

Recording Fee Credit:

$ .00

Re-Key Fee Credit:

$ .00

Postage, Fax, Phone, Copy or Courier Fees Credit:

$ .00

0% Tolerance Credit:

$ .00

10% Tolerance Credit:

$ .00

96%

Enter the Loan Cost Totals from your Loan Estimate:
(located on page 2, Loan Costs, of your Loan Estimate)

Borrower-Paid
(No commas please)

A. Origination Charges (Total):

$ .00

B. Services Borrower Did Not Shop For (Total):

$ .00

Reference the following documents to complete this audit:(provided by your Lender)

Select the FIRST OPTION that describes the COE Status and Down Payment of this mortgage:

Is Condition 10, Fee Appraiser/Fee Compliance Inspector, "checked" on your Notice of Value (NOV)?

Is this a Construction Loan?

Enter your Closing Date:(located on page 1, Closing Information, of your Closing Disclosure)

Select the State, Commonwealth or Territory where the property is located:(located on page 1, Closing Information, of your Closing Disclosure)

Select your Lender:(located on page 1, Transaction Information, of your Closing Disclosure)

Enter your VA Loan ID #:(located on page 1, Loan Information, of your Closing Disclosure)

Enter your Loan Amount:(located on page 1, Loan Terms, of your Closing Disclosure)

Enter your "A. Origination Charges":(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Enter your "B. Services Borrower Did Not Shop For":(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Enter Lender & Seller "A. Origination Charges" Credits:(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Enter Lender & Seller "B. Services Borrower Did Not Shop For" Credits:(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Enter the Loan Cost Totals from your Loan Estimate:(located on page 2, Loan Costs, of your Loan Estimate)

Reference the following documents to complete this audit:
(provided by your Lender)

Enter your Closing Date:
(located on page 1, Closing Information, of your Closing Disclosure)

Select the State, Commonwealth or Territory where the property is located:
(located on page 1, Closing Information, of your Closing Disclosure)

Select your Lender:
(located on page 1, Transaction Information, of your Closing Disclosure)

Enter your VA Loan ID #:
(located on page 1, Loan Information, of your Closing Disclosure)

Enter your Loan Amount:
(located on page 1, Loan Terms, of your Closing Disclosure)

Enter your "A. Origination Charges":
(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Enter your "B. Services Borrower Did Not Shop For":
(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Enter Lender & Seller "A. Origination Charges" Credits:
(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Enter Lender & Seller "B. Services Borrower Did Not Shop For" Credits:
(located on page 2, or 2A, Loan Costs, of your Closing Disclosure)

Enter the Loan Cost Totals from your Loan Estimate:
(located on page 2, Loan Costs, of your Loan Estimate)