Fees Paid When You Apply for a Loan Typically called "third-party fees", these fees are collected by your lender to pay for services provided by outside parties, such as an appraiser.     Fees you pay when you apply:   Appraisal Fee — The amount charged by an appraiser who determines the value of a home.   Credit Report Fee — The fee for receiving your credit report from a credit reporting agency. Unlike most traditional lenders, Accu Rate Mortgage Express, Inc. doesn't charge you this fee. How Much Will I Pay? By law, lenders must give you a document called a "Good Faith Estimate" within 3 days after you apply for a loan. This paper tells you how much you should expect to pay for closing costs. It is a lender's best estimate of how much all the fees cost. The actual amount you pay may be different. Amounts and types of fees and charges vary based on your geographic location, the loan and other considerations.

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