{"id":4822,"date":"2018-07-30T16:24:11","date_gmt":"2018-07-30T16:24:11","guid":{"rendered":"http:\/\/gohome.fastforwardstories.com\/?p=4822"},"modified":"2018-07-31T12:55:07","modified_gmt":"2018-07-31T12:55:07","slug":"understanding-your-loan-estimate-services-you-cannot-shop-for","status":"publish","type":"post","link":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/2018\/07\/30\/understanding-your-loan-estimate-services-you-cannot-shop-for\/","title":{"rendered":"Understanding Your Loan Estimate: Services You Cannot Shop For"},"content":{"rendered":"<p><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 28px 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\">\n<div class=\"wistia_embed wistia_async_2c02jmlc3o dnt=1 videoFoam=true\" style=\"height:100%;position:relative;width:100%\">&nbsp;<\/div>\n<\/div>\n<\/div>\n<p>These costs are paid to outside parties, not the lender, but you don&#8217;t get to choose them. They may include:<\/p>\n<ul>\n<li>appraisal, which puts a value on your property on the lender&#8217;s behalf<\/li>\n<li>a credit report on you<\/li>\n<li>fees to assess flood risk of your property, or for ongoing monitoring of flood zone changes related to your property<\/li>\n<li>tax monitoring to keep track of your property tax payments<\/li>\n<li>tax status research to assess the state of tax payments on the property.<\/li>\n<\/ul>\n<p>While you can&#8217;t shop for these services, the price for these services in your final loan disclosure MUST match the price on the Loan Estimate; items in &#8220;Cannot Shop&#8221; have 0 tolerance for change.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; These costs are paid to outside parties, not the lender, but you don&#8217;t get to choose them. They may include: appraisal, which puts a value on your property on the lender&#8217;s behalf a credit report on you fees to assess flood risk of your property, or for ongoing monitoring of flood zone changes related [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[25],"tags":[],"_links":{"self":[{"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/posts\/4822"}],"collection":[{"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/comments?post=4822"}],"version-history":[{"count":1,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/posts\/4822\/revisions"}],"predecessor-version":[{"id":5247,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/posts\/4822\/revisions\/5247"}],"wp:attachment":[{"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/media?parent=4822"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/categories?post=4822"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/tags?post=4822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}