The appraisal fee must always be paid to the service provider (RAM or the appraiser, whichever the case may be).

The appraisal fee cannot be paid to a Processor, Lender, or Broker...this causes a TIL and Itemization of Finance issue.
There is a "system flaw" in GMOS...if the Appraisal fee is not paid to the service provider, it should be included in the APR and listed on the Itemization.
However, GMOS will not do this (system limitation)...SO, the appraisal fee must always be paid to the provider.

If the Broker/Processor prepays for the appraisal on their own, the only way to get reimbursed is to include the fee in their origination charge.

This fee will not be separated on the HUD, rather will be paid to the broker through the HUD

Thanks.

J. Whitney Barth

VP Operations

Gateway Mortgage Group LLC