Does anyone have a complete list or knowledge of where to find exactly what should be included in block 1 of the GFE. I have read the HUD FAQ dated 12/30, it does provide some answers however there is still alot of gray. We are including settlemnt fees, doc. prep fees, attorney fees, underwriting fees. Do the inspection fees, title update fees and Freddie Mac delivery fees also belong there?

Thanks

From "RESPA in Plain English" by Vicki Bott- Deuputy Asst. Single Family Housing: (Dec. 3 power point presentation)

Block 1 – contains all lender or lender and mortgage broker origination points, processing fees and administrative fees (All or some of this line represents the mortgage broker compensation.)

Note:
A mortgagee letter lifting the FHA 1% origination cap will be released shortly
Origination charges should not be itemized on the GFE or the HUD-1
Exception: If a state or governmental program requires the specific itemization of origination fees, a lender may itemize on the HUD-1in the blank 800 lines


FWIW, we are putting the following fees in there:

Origination, u/w, processing, MERS, Doc Prep, Escrow Waiver (when known at app), FHA commitment fee, Housing Authority processing fees.

Also, if the inspection fees are coming to us as lender they go there.

Do we need to disclose the service providers to the borrowers?

Only items in Blocks 4-6 - if you give them the option to shop.