Encompass Fee Matrix Academy Mortgage Corporation
[Pages:4]Encompass Fee Matrix
Description
LE/CD Section
Academy Mortgage Corporation
APR
Points &
Fees
Can Shop
Cannot Shop
Tolerance Not
Shopped
Tolerance DID Shop
700 Total Sales / Broker's Commission
Commission Paid at Settlement
H / H
N/A
N/A
N/A
Real Estate Commission
H / H
N/A
N/A
N/A
Real Estate ? Realtor / Broker Service Fee
H / H
N/A
N/A
N/A
Real Estate ? Transaction Coordinator Fee
H / H
N/A
N/A
N/A
800 Items Payable in Connection with Loan
Administration Fee
A / A
X
X
X
0%
Application Fee
A / A
X
X
X
0%
Appraisal Fee 2nd Appraisal Fee
B / B B / B
X
0%
X
0%
Appraisal Reinspection ? Final Inspection Fee
B / B
X
0%
Appraisal Review AVM Fee
B / B
X
0%
Attorney Fee ? Polunsky, Beitel and Green
B / B
X
X
X
0%
Broker Loan Origination Fee
A / A
X
X
X
0%
Commitment Fee
A / A
X
X
X
0%
Condo/PUD Questionnaire/Cert Fee
B / B
X
X
X
0%
Credit Report
B / B
X
0%
Flood Certificate Fee
B / B
X
X
X
0%
HUD Repo Escrow Admin Fee
B / B
X
X
X
0%
Inspection ? Pest/Termite ? Lender Required
B / C
X
0%
Inspection ? Septic ? Lender Required
B / C
X
0%
Inspection ? Water ? Lender Required
B / C
X
0%
Inspection Fee: Interim / Construction
B / B
X
0%
Investor Paid Compensation (brokered loans only)
A / A
X
X
X
0%
Lender Property Inspection Waiver Fee
B / B
X
X
X
0%
Loan Application Fee ? Subordinate Lien
A / A
X
X
X
0%
Loan Discount Points
A / A
X
X
0%
Loan Document Prep Fee - Lender
A / A
X
X
X
0%
Loan Origination
A / A
X
X
0%
Lock: Extended Lock > 60 Days
A / A
X
X
X
0%
Lock Extension (Expiring lock)
A / A
X
X
X
0%
National Homebuyers Funding Fee
B / B
X
X
X
0%
Processing Fee
A / A
X
X
X
0%
Subordination Agreement Fee
B / B
X
X
X
0%
Tax Related Service Fee
B / B
X
X
X
0%
Underwriting Fee
A / A
X
X
X
0%
USDA/RD Guarantee Fee
B / B
X
X
0%
Verification Fees (VOE, VOD)
B / B
X
X
X
0%
N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 10% 10% 10% N/A
N/A
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
HOUSING FINANCE AGENCY (HFA) FEES: Compliance/Admin Fee (eHousing) HFA Application/Processing Fee
HFA-CA-CHDAP Application Fee HFA-CO-Denver MMA Housing Fee HFA-FL-Bond Application Fee HFA-MA-MHFA Loan Processing Fee
HFA Program Fee HFA-AZ-Bond Fee HFA-CO-El Paso Program Fee HFA-IN-Housing Reservation Fee HFA-NV-Nevada Bond Fee HFA-OH Housing Admin Fee HFA-TX Texas Housing Review Fee
HFA Compliance Fee HFA-NV Compliance Review Fee HFA-TX-SETH Texas Compliance Fee
Encompass Fee Matrix
B / B
X
X
B / B
X
X
B / B
X
X
B / B
X
X
Page 1 of 4
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
Revised 4.1.2016
Encompass Fee Matrix
Description
LE/CD Section
Academy Mortgage Corporation
APR
Points &
Fees
Can Shop
Cannot Shop
Tolerance Not
Shopped
Tolerance DID Shop
HFA Funding/Wire Fee
B / B
X
X
HFA-CO-Denver MMA Funding Fee
HFA-CO-El Paso County Funding Fee
HFA-FL-Bond Down Payment Funding Fee
HFA-FL-HFA of Hillsborough County Multi-
County Funding Fee (Hillsborough and
Brevard Counties and City of Jacksonville)
HFA-OH-Ohio Housing Funding Fee
HFA-VT-Vermont Housing Funding Fee
HFA Transfer Fee
B / B
X
X
HFA-AZ-Housing Deed Transfer Fee
HFA-TX- SETH Texas Transfer Fee
HFA-AZ-Housing Fee HFA-FL-Bond 1st Mortgage Funding Fee HFA-FL-Hillsborough 1st Mortgage Application
Fee HFA-FL-Hillsborough 2nd Mortgage Application
Fee
B / B
X
X
B / B
X
X
B / B
X
X
B / B
X
X
HFA-MA-Mass Housing Hazard Tracking Fee
B / B
X
X
HFA-MA-MHFA Tax Service Fee
B / B
X
X
HFA-TX-SETH Texas Tax Service
B / B
X
HFA-TX-Texas Housing Participation Fee
B / B
X
X
HFA-UT-Utah Housing Score Loan Fee
B / B
X
X
HFA-UT-Utah Housing Wire Fee
B / B
X
X
HFA Warehouse Fee
B / B
X
X
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
MORTGAGE CREDIT CERTIFICATE (MCC) FEES:
MCC-Application Fee
B / B
X
X
MCC Processing Fee
B / B
X
X
MCC Program Fee
B / B
X
X
MCC-Participation Fee
MCC-FL-Broward Issuance Fee
MCC-FL-PBC Program Handling Fee
MCC-FL-PBC Program Participation Fee
MCC-ID-Idaho Housing
MCC-NC-NCHFA Fee
MCC-FL-Broward Handling Fee
B / B
X
X
MCC-FL-Hillsborough Lender Application Fee
B / B
X
X
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
RENOVATION LOANS: 203(k) Inspection Fee ? Lender 203(k) Misc APR Fees 203(k) Supplemental Origination Fee 203(k) Title Update Fees
HMStyle ? Inspection Fee HMStyle ? Title Updates
A / A
X
X
A / A
X
X
A / A
X
X
B / B
B / B
X
X
B / B
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
900 Items Required by Lender to be Paid in Advance
Borrower Paid Monthly MI payable upfront
F / F
X
0%
N/A
Conventional Up Front PMI ? Refundable pro rata
F / F
X
VARIES
X
0%
N/A
Conventional Up Front PMI ? Non-refundable
F / F
X
X
X
0%
N/A
Daily Interest
F / F
X
N/A
N/A
N/A
N/A
FHA ? UFMIP
B / B
X
X
0%
N/A
Flood Insurance Premium
F / F
X
N/A
N/A
Homeowners/Hazard Ins Premium
F / F
X
N/A
N/A
Insurance Premium ? HO6
F / F
X
N/A
N/A
Insurance Premium ? Hurricane
F / F
X
N/A
N/A
Insurance Premium ? Earthquake
F / F
X
N/A
N/A
Encompass Fee Matrix
Page 2 of 4
Revised 4.1.2016
Encompass Fee Matrix
Description
LE/CD Section
Academy Mortgage Corporation
APR
Points &
Fees
Can Shop
Cannot Shop
Tolerance Not
Shopped
Tolerance DID Shop
Insurance Premium ? Windstorm Property Taxes Due at Closing USDA/RD Guarantee Fee VA Funding Fee
F / F
F / F
B / B
X
B / B
X
X
N/A
N/A
N/A
N/A
N/A
N/A
X
0%
N/A
X
0%
N/A
1000 Impounds Deposited with Lender
Aggregate Adjustment
G / G
N/A
N/A
N/A
N/A
City Property Taxes
Conventional PMI Reserves County Property Taxes FHA Annual MIP (monthly) Ground Rent Reserves Insurance Impound ? Earthquake Insurance Impound ? Flood Insurance Impound ? HO6 Insurance Impound ? Homeowners Insurance Impound ? Hurricane Insurance Impound ? Windstorm Sanitation Assessment (East Coast) School Taxes State Property Taxes Township Property Taxes USDA Annual Fee (monthly)
G / G
G / G
X
G / G
G / G
X
G / G
G / G
G / G
G / G
G / G
G / G
G / G
G / G
G / G
G / G
G / G
G / G
X
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
**NOTE: TITLE CHARGES** If borrower `Did Not Shop' use Section B; if borrower `Did Shop' use Section C
1100 Title Charges
Title ? Abstract or Search Fee
BC / BC
X
10%
N/A
title ? Closing Fee
BC / BC
X
X
10%
N/A
title ? Closing Protection Letter (CPL)
BC / BC
X
X
title ? Title /Settlement Services
BC / BC
X
X
title ? Document Preparation Fee
BC / BC
X
title ? Electronic Delivery Fee
BC / BC
X
X
title ? Endorsements
BC / BC
X
title ? eRecording Processing Fee
BC / BC
X
X
title ? Escrow Admin Fee
BC / BC
X
X
title ? Examination (East coast)
BC / BC
X
title ? Government Service Fee
BC / BC
X
X
title ? Guarantee Fee
BC / BC
X
title ? Insurance Binder (OR & TX only)
BC / BC
X
title ? Lenders Title Premium
BC / BC
X
title ? Loan Tie-in Fee (CA add'l escrow company) BC / BC X
X
title ? Notary Fee
BC / BC
X
X
title ? Owners Title Insurance Premium
H / H
X
title ? Reconveyance
BC /BC
X
title ? Settlement or Closing Fee
BC / BC
X
X
title ? Tax Certificate
BC / BC
X
X
title ? TIEFF (Indiana)
BC / BC
X
X
title ? Title/Settlement Services Fee
BC / BC
X
X
title ? Wire/Courier/Email Fee
BC / BC
X
X
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
10%
N/A
1200 Government Recording and Transfer Charge
Deed Documentary Tax/Stamps County Conversion Fee (MN) GA "Per Loan Fee" Intangible Tax Mortgage
E / E E / E E / E E / E E / E E / E
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
X
0%
N/A
Encompass Fee Matrix
Page 3 of 4
Revised 4.1.2016
Encompass Fee Matrix
Description
LE/CD Section
Academy Mortgage Corporation
APR
Points &
Fees
Can Shop
Cannot Shop
Tolerance Not
Shopped
Tolerance DID Shop
Mortgage Registry Tax
E / E
X
Recording Fees - Assignment
E / E
X
Recording Fees ? Mortgage/Deed of Trust
E / E
X
Recording ? Releases
E / E
X
Transfer Tax
E / E
X
Transfer Tax City
E / E
X
State Tax/Stamps
E / E
X
1300 Additional Settlement Charges
1302 ? 1309: Only fees that are required by Academy and the borrower can shop for. These will roll up to Section C and won't be in Section H
1310 ? 1315:
Escrow Holdback
Energy Efficient Upgrades (holdback) Engineer Certificate (optional) HOA Dues (optional) HOA Dues Reserves (optional) HOA Setup and Transfer Fee (optional) Home Inspection (optional) Borrower's requested Home Warranty (optional) not required by Lender Legal Borrower Document Review (borrower requested attorney review of documents) Manufactured Housing Certificate Pest/Termite Inspection Fee?Borrower Requested Septic Inspection Fee ? Borrower Requested Water Inspection Fee ? Borrower Requested Rekey Fee (optional) Special Service District Charge Survey/ILC Fee (optional) Seller Per Diem ? Delayed Closing Seller Short Sale Payoff
NA / H NA / H H / H H / H H / H H / H H / H H / H
H / H
H / H H / H H / H H / H H / H H / H H / H NA / H NA / H
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
X
N/A
N/A
X
X
X
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
RENOVATION LOANS: 203(k) Architectural & Engineering Fees 203(k) Consultant Fee 203(k) Contingency Reserve 203(k) 1st Draw 203(k) Hard Cost of Repairs 203(k) Mortgage Payments Escrowed 203(k) Permits
HMStyle Architect & Engineering Fees HMStyle Consultant Fee HMStyle Contingency Reserve HMStyle 1st Draw HMStyle Hard Costs- Labor/Materials HMStyle Mortgage Payments Escrowed HMStyle Permit Fees
H / H
H / H
X
H / H
H / H
H / H
H / H
H / H
H / H
H / H
X
H / H
H / H
H / H
H / H
H / H
X
X
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
X
X
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0% 10% 10% 10% 0% 0% 0%
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 0% 0% 0% N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
N/A N/A N/A N/A N/A N/A
N/AM N/A N/A N/A N/A N/A
Encompass Fee Matrix
Page 4 of 4
Revised 4.1.2016
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