What types of fees must be disclosed on the GFE?
Fees for title services and lender's and owner's title insurance are always required to be disclosed, regardless who pays them. Otherwise, however, fees that are required by the lender and are customarily paid by the borrower must be disclosed on the GFE. Fees that are typically paid by the seller and fees that are not required by the lender, such as optional pest inspections, are not required to be disclosed on the GFE. This can be found in FAQ#2 of HUD’s FAQs. HUD's FAQs can be found at http://www.hud.gov/offices/hsg/rmra/res/respa_hm.cfm