Notwithstanding the newly enacted hurdles to obtaining a good faith estimate, there are certain lender fees identified daily on American Interbanc's rate sheet that consumers can use to compare at least some of the costs they can expect to incur in connection with their mortgage.  Some lenders and brokers may have their fees broken out into categories.  Others, like American Interbanc, have a single fee category called an application, administration or processing fee (depending upon the state).  Consumers should be able to compare the costs that lenders (as opposed to third parties) charge, and we encourage you to do so. 

We have provided the following table identifying the categories of lender fees that consumers may be charged in connection with a refinance or purchase.  These fees are exclusive of third-party fees that can only be estimated at the time a consumer becomes eligible to receive a good faith estimate.  American Interbanc encourages you to use this worksheet to compare American Interbanc's fee to the fees that our competitors may quote you in order to assist you in making an informed decision about the cost of financing.  Again, please note that these fees do not include those that third parties may charge, which would include title insurance, appraisal costs, settlement/attorney, county fees, pro-rated interest, taxes and homeowners insurance, etc.  A good faith estimate that includes these estimated fees will be provided once you become eligible pursuant to the new law.