The following fees ARE generally included in the APR:

• Points- both discount points and origination points. 1 point equals 1% of the loan amount. Sometimes a lender will use origination as a single charge rather than charge an admin fee, processing fee, underwriting fee etc. which is essentially the same as each of these departments have its own personnel.
• Pre-paid interest- The interest paid from the date the loan closes to the end of the month. Example: If you close on August 10th, you will pay 21 days of pre-paid interest by the end of the month.
• Admin Fee
• Loan-processing fee-
• Underwriting fee-
• Document-preparation fee-
• Private mortgage-insurance
• Escrow/Settlement fee

The following fees are SOMETIMES included in the APR (check your compliance department for these ones):

• Loan-application fee
• Credit life insurance (insurance that pays off the mortgage in the event of a borrower’s death)

The following fees are normally NOT included in the APR:

• Title or abstract fee
• Attorney fee
• Notary fee
• Document preparation (charged by the closing agent)
• Home-inspection fees
• Recording fee
• Transfer taxes
• Credit report
• Appraisal fee