RANLife Home Loans - Homeowner Website

The following fees may be charged for certain services you request or services that occur related to the servicing of your loan. The actual fees charged may be different, or there may be no fee, depending on state law, and investor or insurer requirements. Please note the fees listed below are subject to change.

Fee Type	Description		Amount
Amortization Schedule	We do not charge a fee for generating a copy of the amortization schedule on a loan (but see Recast Fee).		$0
Appraisal Fee	Appraisal fees are charged when an appraisal is required to determine the value of your property.		Actual cost Up to $1500
Assumption Fee	Assumption fees are charged when a request is made to change the individual(s) legally responsible for the loan. On VA Assumptions, a .5% Funding Fee is required. Additional third party costs may apply.		Up to $300
Automated Valuation Model (AVM) Fee	AVM fees are charged when an AVM is required to determine the estimated value of your property.		$12
Bankruptcy Fees and Costs	These fees and costs are incurred by the Servicer once a homeowner files for bankruptcy. Amounts vary in accordance with bankruptcy type, jurisdictional requirements, and state law.		Varies
Broker Price Opinion (BPO) Fee	BPO fees are charged when a BPO is required to determine the value of your property.		Actual cost Up to $375
CEMA Fee	Applies to New York Consolidation, Extension and Modification Agreement (CEMA) loans. A CEMA fee is charged by the attorney for processing, preparing, and handling the collateral file and assignment of the loan.		$500
Construction Extension Fee	Applies when the completion date of the construction period has lapsed and a request is received to extend and modify the original completion date. This fee is based on the terms of the Note.		Varies
Express Mail	The actual cost of expediting mail is charged if requested by the homeowner or an authorized third party.		Actual cost
Fax Fee/Electronic Delivery Fee	We do not charge an additional fee for electronic delivery or faxing of documents.		$0
Foreclosure Fees and Costs	These fees and costs are incurred by the Servicer once the Servicer initiates foreclosure. Amounts vary in accordance with jurisdictional requirements, state law, and investor guidelines.		Varies
Foreclosure Attorney Fees	These fees are incurred for legal services associated with the foreclosure process. Amounts vary in accordance with jurisdictional requirements, state law, and investor guidelines.		Up to $10,400
Inspection Fees	Inspection fees are incurred at the time of inspection which may be ordered monthly once a loan becomes delinquent and/or following a disaster.		Up to $60
Insufficient Funds (NSF) Fee	NSF fees are charged when a payment is returned due to insufficient funds in the payee’s bank account.		Up to $40
Late Charge Fee (%)	Late charges are assessed for payments not received by the due date plus any applicable grace period. Late charges are calculated based on the terms of the Note, subject to state and investor limitations. Late charges specific to your loan can be found on your billing statement.		Up to 5%
Lien Release Fee	Lien release fees are charged at payoff for preparing the documents to release the lien on the property.		Up to $45
Litigation Fees and Costs	These fees and costs are incurred by the Servicer in order to litigate a claim made by or against a homeowner. Fees and costs vary by type of litigation.		Varies
Loss Mitigation Processing/Loan Modification Fee	We do not charge a fee for processing a loss mitigation application or for modifying a loan.		$0
Notary Fee	Notary fees are charged when documents are required to be notarized in line with state or investor requirements.		Actual cost
Partial Lien Release Fee		Partial lien release fees are charged for processing, evaluating, and approving requests to voluntarily release or modify collateral.		$250
Payment Processing Fee		We do not charge a fee for making a payment online, by phone using our IVR system or with an agent, or by mail. Visit Payment Methods and Information under our online FAQs for all the free and convenient ways to pay.		$0
Payoff Statement		A fee may be charged for each occurrence of generating a payoff statement upon request, subject to state and investor limitations.		Up to $60
Property Preservation Fees and Costs		These costs are incurred when a property is vacant, and services are required to maintain the property and prevent damage. Costs vary by property conditions, local law, and insurer requirements.		Varies
Recast Fee		A recast fee is charged for recasting or re-amortizing the loan after a substantial sum is paid to reduce the unpaid principal balance of the loan and lower the required monthly payments.		$300
Recording Fee		Recording fees are charged when loan documents are recorded with states, counties or municipalities. Recording fees vary by individual jurisdiction.		Actual cost
Release of Liability		This fee is charged to remove an obligor from a loan.		Up to $50
Title Search		This fee is charged when a title search is required on the property securing a loan we are servicing. Costs vary by state requirements and associated vendor fees.		Actual cost
Verification of Mortgage		We do not charge a fee for processing and issuing a verification of your mortgage to a third party.		$0

Arkansas: Foreclosure attorney fees of up to $1,950. Insufficient Funds (NSF) fee of up to $30. Lien release fee up to $11.50, plus actual recording fees. Payoff statement fee of up to $10. All other fees above apply.

Connecticut: Foreclosure attorney fees of up to $4,025. NSF fee of up to $20. Lien release fee up to $11.50, plus actual recording fees. Payoff statement fee of up to $10 (one free per calendar year). All other fees above apply.

Georgia: Foreclosure attorney fees of up to $1,900. NSF fee of up to $30. No fee for lien release; actual recording fees apply. Payoff statement fee of up to $10 (first free, $10 for duplicates within 60 days of fulfillment of previous request). All other fees above apply.

Hawaii: Foreclosure attorney fees of up to $10,400. NSF fee of up to $20. No fee for lien release; actual recording fees apply. Payoff statement fee of up to $10 (five free per calendar year). All other fees above apply.

Montana: Foreclosure attorney fees of up to $2,000. NSF fee of up to $30. Lien release fee up to $11.50, plus actual recording fees. Payoff statement fee of up to $10. All other fees above apply.

Nevada: Foreclosure attorney fees of up to $2,250. NSF fee of up to $25. Lien release fee up to $11.50, plus actual recording fees. Payoff statement fee of up to $60. All other fees above apply.

New Jersey: Foreclosure attorney fees of up to $5,325. NSF fee of up to $20. No fee for lien release; actual recording fees apply. Payoff statement fee of up to $10. All other fees above apply.

New York: Foreclosure attorney fees of up to $5,750. NSF fee of up to $20. Late charge fee % of up to 4%. No fee for lien release; actual recording fees apply. Payoff statement fee of up to $20 (five free per calendar year). All other fees above apply.

North Carolina: Foreclosure attorney fees of up to $2,575. NSF fee of up to $35. Late charge fee % of up to 4%. Lien release fee up to $11.50, plus actual recording fees. Payoff statement fee of up to $25 (first request free in a 6-month period). All other fees above apply.

Oregon: Foreclosure attorney fees of up to $4,050. Insufficient Funds (NSF) fee of up to $25. Lien release fee up to $11.50, plus actual recording fees. Payoff statement fee of up to $10. All other fees above apply.

Standard Servicing Fee Schedule

V.7.0

Rev. 9.5.2023