Well, then you have to weigh that against excluding it under:
1026.4(c)(7) Real-estate related fees. The following fees in a transaction secured by real property or in a residential mortgage transaction, if the fees are bona fide and reasonable in amount:
(ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.
or the basic uniform charge for a cash or credit transaction:
1. Charges in comparable cash transactions. Charges imposed uniformly in cash and credit transactions are not finance charges. In determining whether an item is a finance charge, the creditor should compare the credit transaction in question with a similar cash transaction. A creditor financing the sale of property or services may compare charges with those payable in a similar cash transaction by the seller of the property or service.
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