When the lender draws up a Good Faith Estimate (GFE) there will be fees that will be shown on this document that will not be associated only with the lender, they are as follows:

Closing Fee - the actual fee associated with the title company for sitting down and going over all documentation during the closing

Escrow Fee - costs associated with hazard insurance and taxes

Settlement Fee - all of the costs associated with the loan, pre-paid and closingNotary Fees

Notary Fees - usually when either purchasing or refinancing a home

Title Insurance - assures the homeowner that they have clear title to the property

Recording Fees - in order for the property to be recorded with the county

Pest Inspection - usually if there is water damage and there is rotting to any structure or foundation there will be a pest inspection

Home Warranty - covers appliances offered by the seller, if they do have issues the seller will have to cover the costs within a specified time

Home Inspection - it is recommended that a buyer have the property inspected, but it is not required

Sub-Escrow Fee - the title company may charge this fee to compensate for coordinating with the settlement agent

Loan Tie-In Fee - charged by either a title company or a lawyer to compensate for services dealing with the lender

Courier Fee - if documents cannot be sent via e-mail or fax a courier fee may be attached for delivering them

Homeowner's Association Transfer Fee - if a buyer purchases a town home or condominium with a Homeowner's Association, there will be a fee to transfer all of their ownership documents to the buyer

Remember not all fees will be implemented for every loan. It is important to note that some of these fees may differ from state to state and geographical location. It just depends on where the subject property is located.