These one-time fees can also be known as a "point" or "points." It covers the lender/broker's administrative costs in processing the loan. Often expressed as a percentage of the loan, the fee will vary among lenders. These lines can also be imposed by the lender or broker to lower the rate at which the lender/broker would otherwise offer the loan to you. Generally, the buyer pays the fee, unless otherwise negotiated.

Line 803:    Appraisal Fee
Usually est. @ $300, but FHA can be $400. Larger homes, the fees could be higher.) Paid in advance of settlement. Oftentimes, this is a non-refundable fee.

Line 804:   Credit Report
(Usually est. @ $12.75 [joint 2 repository], but  full blown might be as high as $55. Paid in advance of settlement.

Line 809:     Tax related service fee
Charged by Lender to either set up your tax escrow or to insure that property taxes have be paid.
( Est. @ $79)

Line 810:     Processing Fee
Charged by AAMI for administrative cost.
( Est. @ $350)

Line 811:     Underwriting Fee
Charged by Lender for administrative cost.
( Est. between $300 - $350)

Line 812:     Wire Transfer Fee
Charged by Lender for cost associated with electronically sending funds to Title co.
( Est. @  $35)

Line 813:     Flood Certification
Charged by Lender for cost associated with making sure that you are not in a flood zone.
( Est. @  $16)