Video — What Services Can You NOT Shop Around In A Mortgage?

The mortgage Loan Estimate includes two lists of services involved in the loan process: services you CANNOT shop, and services you CAN shop. See the other video in this series on "can shop."

The Cannot Shop list covers fees and costs for outside parties (not the lender themselves). This list may include:

Tax status research on the property

Tax monitoring on property-tax payments

Appraisal, which gives the lender a reliable value for the property

Credit Reporting on the borrower.

Flood Risk fees

Flood Zone Monitoring

Fees for these services in the Loan Estimate and in the final Loan Disclosure must match. There is ZERO tolerance for change on these items under lender compliance regulations.