{"id":4822,"date":"2015-06-24T16:24:11","date_gmt":"2015-06-24T16:24:11","guid":{"rendered":"http:\/\/gohome.fastforwardstories.com\/?p=4822"},"modified":"2015-06-24T16:24:11","modified_gmt":"2015-06-24T16:24:11","slug":"understanding-your-loan-estimate-services-you-cannot-shop-for","status":"publish","type":"post","link":"https:\/\/trumantitle.com\/2015\/06\/24\/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 0 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_rkxmdtti2e dnt=1 videoFoam=true\" style=\"height:100%;position:relative;width:100%\">\n<div class=\"wistia_swatch\" style=\"height:100%;left:0;opacity:0;overflow:hidden;position:absolute;top:0;transition:opacity 200ms;width:100%;\"><img src=\"https:\/\/fast.wistia.com\/embed\/medias\/rkxmdtti2e\/swatch\" style=\"filter:blur(5px);height:100%;object-fit:contain;width:100%;\" alt=\"\" aria-hidden=\"true\" onload=\"this.parentNode.style.opacity=1;\" \/><\/div>\n<\/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>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 to&hellip;<\/p>\n","protected":false},"author":51,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[14],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.6.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding Your Loan Estimate: Services You Cannot Shop For - Warrensburg, Higginsville, Lexington, MO | Truman Title, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trumantitle.com\/2015\/06\/24\/understanding-your-loan-estimate-services-you-cannot-shop-for\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Your Loan Estimate: Services You Cannot Shop For - Warrensburg, Higginsville, Lexington, MO | Truman Title, Inc.\" \/>\n<meta property=\"og:description\" content=\"These costs are paid to outside parties, not the lender, but you don&#8217;t get to choose them. 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