With every Loan Estimate that I send out, I try my best to provide accurate estimates of all third party fees. These fees are estimates and are designed to give you an approximate idea of your closing costs. All third party fees, such as title, appraisal, HOA, etc, are determined by the third party and can vary depending on the party involved. Once we have determined what third party services are being used, I will provide an accurate statement showing their exact fees. Changes in third party fees do not constitute a breach in my personal guarantee. My guarantee regarding fees is that the lender fees quoted will be the final lender fees you see at closing.