We decided to take a conservative approach and place the fee in Block 1. Here's my rationale: There doesn't seem to be a specific comment on this particular fee in the FAQs or Round-ups, but I am of the opinion that this would be more similar to the 4506T fee or automated underwriting fees that are supposed to be included in origination charges, even though they are paid to a third-party. The VOE/VOD charges are outside the realm of lender control and really charged by the employer/depository institution, depending upon the situation. I think the appraisal review fee is more administrative in nature, similar to doc prep, tax transcripts, etc, and really under lender control as to how to accomplish them.