So you are saying, for example, that you want to charge a $750 processing fee in section A and not list a $500 appraisal, $50 credit report, $25 flood search and a $175 doc prep fee in Section B?
I see no problem with that, except you turning those charges from not being prepaid finance charges into a prepaid finance charge and raising your APR.
Also, if you run into a changed circumstance, that for example causes your appraisal fee to go up, you are gong to be stuck with it
You will still have to itemize them and their exact dollar amounts as paid by lender on the CD.
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