Doc prep fees are exempt if bona fide and reasonable.
The other fee you are talking about it nothing but a junk fee by the Realtor. We have a Realtor here CENTURY 21 that charges the same fee. We do not treat the fee as a finance charge because they charge the "document storage" fee regardless if the buyer is financing or paying cash.
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The opinions expressed are mine and they are not to be taken as legal advice.