Jenna and Todd Alder Are Closing on Their Home

Multiple Choice

Jenna and Todd Alder are closing on their home. Their GFE disclosure put their closing costs at $4,200. When they arrive for their closing, the escrow agent explains that their closing costs will be $5,800. Which of the following are important in making the determination of whether closing costs of a RESPA-covered loan violated RESPA?

A) The loan origination charge
B) The insurance for the home
C) The loan originator services that Jenna and Todd chose
D) The title company charges for the company Jenna and Todd chose