Management is wanting to offer an application or tool to mortgage clients. If a borrower opts in, we are paying the majority of the costs of the tool. Here is what I am trying to figure out, if borrower opts in to using the tool we would like to have the fee added to the HUD-1 (Non trid line of credit). Also would it be best to send the tool form that that needs to be completed in a different package since it is not our product?

What sort of line of credit requires a HUD-1?? You also need to explain a little more about this "tool".

It is a first lien heloc. The tool is an app to help budget payments on debts. A hud-1 is not required, but we do a HUD-1 on them.