Page 1779
APPENDIX 3.0 – POST-ENDORSEMENT FEES AND CHARGES BY LOCATION (APPLIES TO SERVICING ONLY) (11/10/2026)
Type of Service AL AK AZ AR CA CO CT DE DC FL Substitution of Hazard Insurance Policy
$10 $15 $10 $10 $10 $10.50 $10 $10 $10 $15
Returned Check* $10 $15 $15 $25 $15 $15 $25 $15 $15 $20 Modification of performing Mortgage
$50 $50 $50 $50 $50 $50 $50 $50 $50 $50
Modification of the mortgaged Property
$100 $125 $100 $110 $100 $100 $100 $110 $110 $100
Incorporating a Borrower’s name change into the Servicer’s loan system
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Re-analyzing escrow accounts and providing new coupon books
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Copy of Mortgage Note $10 $10 $10 $10 $10 $10 $10 $10 $10 $10
Copy of Closing Disclosure** $10 $10 $10 $10 $10 $10 $10 $10 $10 $10 Copy of Amortization Schedule**
$15 $15 $15 $15 $15 $15 $15 $15 $15 $15
Replacement Coupon Books $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Verification of Mortgage $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 Copy of Year-End Statement $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Transmittal of Payoff Statement via Facsimile
$5 $5 $5 $5 $5 $5 $5 $5 $5 $5
Additional Payoff Statements***
$10 $10 $10 $10 $10 $10 $10 $10 $10 $10
* Unless prohibited by the Borrower's bank, the Mortgagee must present the check for payment twice before it can be deemed “uncollectible” when returned unpaid. **other than the statement or schedule provided at closing *** after two payoff statements have been provided free of charge for the calendar year
Page 1780
Appendix 3.0 – Post-endorsement Fees and Charges by Location (Applies to Servicing Only) (11/10/2026)
Type of Service GA HI ID IL IN IA KS KY LA ME Substitution of Hazard Insurance Policy
$10 $10 $15 $10 $10 $10 $10 $10 $10 $10
Returned Check* $15 $15 $20 $20 $25 $15 $15 $15 $25 $25 Modification of performing Mortgage
$50 $50 $50 $50 $50 $50 $50 $50 $50 $50
Modification of the mortgaged Property
$125 $100 $125 $100 $100 $100 $100 $100 $110 $100
Incorporating a Borrower’s name change into the Servicer’s loan system
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Re-analyzing escrow accounts and providing new coupon books
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Copy of Mortgage Note $10 $10 $10 $10 $10 $10 $10 $10 $10 $10
Copy of Closing Disclosure** $10 $10 $10 $10 $10 $10 $10 $10 $10 $10 Copy of Amortization Schedule**
$15 $15 $15 $15 $15 $15 $15 $15 $15 $15
Replacement Coupon Books $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Verification of Mortgage $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 Copy of Year-End Statement $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Transmittal of Payoff Statement via Facsimile
$5 $5 $5 $5 $5 $5 $5 $5 $5 $5
Additional Payoff Statements***
$10 $10 $10 $10 $10 $10 $10 $10 $10 $10
* Unless prohibited by the Borrower's bank, the Mortgagee must present the check for payment twice before it can be deemed “uncollectible” when returned unpaid. **other than the statement or schedule provided at closing *** after two payoff statements have been provided free of charge for the calendar year
Page 1781
Appendix 3.0 – Post-endorsement Fees and Charges by Location (Applies to Servicing Only) (11/10/2026)
Type of Service MD MA MI MN MS MO MT NE NV NH Substitution of Hazard Insurance Policy
$10 $10 $10 $10 $7.50 $10 $10.50 $10 $10 $10
Returned Check* $15 $25 $20 $20 $15 $15 $15 $15 $15 $25 Modification of performing Mortgage
$50 $50 $50 $50 $50 $50 $50 $50 $50 $50
Modification of the mortgaged Property
$110 $100 $150 $100 $100 $100 $100 $100 $100 $100
Incorporating a Borrower’s name change into the Servicer’s loan system
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Re-analyzing escrow accounts and providing new coupon books
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Copy of Mortgage Note $10 $10 $10 $10 $10 $10 $10 $10 $10 $10
Copy of Closing Disclosure** $10 $10 $10 $10 $10 $10 $10 $10 $10 $10 Copy of Amortization Schedule**
$15 $15 $15 $15 $15 $15 $15 $15 $15 $15
Replacement Coupon Books $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Verification of Mortgage $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 Copy of Year-End Statement $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Transmittal of Payoff Statement via Facsimile
$5 $5 $5 $5 $5 $5 $5 $5 $5 $5
Additional Payoff Statements***
$10 $10 $10 $10 $10 $10 $10 $10 $10 $10
* Unless prohibited by the Borrower's bank, the Mortgagee must present the check for payment twice before it can be deemed “uncollectible” when returned unpaid. **other than the statement or schedule provided at closing *** after two payoff statements have been provided free of charge for the calendar year
Page 1782
Appendix 3.0 – Post-endorsement Fees and Charges by Location (Applies to Servicing Only) (11/10/2026)
Type of Service NJ NM NY NC ND OH OK OR PA PR Substitution of Hazard Insurance Policy
$10 $10 $10 $7.50 $10.50 $10 $10 $15 $10 $10
Returned Check* $20 $15 $20 $15 $15 $20 $25 $15 $15 $15 Modification of performing Mortgage
$50 $50 $50 $50 $50 $50 $50 $50 $50 $50
Modification of the mortgaged Property
$100 $110 $100 $150 $100 $100 $110 $125 $110 $100
Incorporating a Borrower’s name change into the Servicer’s loan system
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Re-analyzing escrow accounts and providing new coupon books
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Copy of Mortgage Note $10 $10 $10 $10 $10 $10 $10 $10 $10 $10
Copy of Closing Disclosure** $10 $10 $10 $10 $10 $10 $10 $10 $10 $10 Copy of Amortization Schedule**
$15 $15 $15 $15 $15 $15 $15 $15 $15 $15
Replacement Coupon Books $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Verification of Mortgage $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 Copy of Year-End Statement $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Transmittal of Payoff Statement via Facsimile
$5 $5 $5 $5 $5 $5 $5 $5 $5 $5
Additional Payoff Statements***
$10 $10 $10 $10 $10 $10 $10 $10 $10 $10
* Unless prohibited by the Borrower's bank, the Mortgagee must present the check for payment twice before it can be deemed “uncollectible” when returned unpaid. **other than the statement or schedule provided at closing *** after two payoff statements have been provided free of charge for the calendar year
Page 1783
Appendix 3.0 – Post-endorsement Fees and Charges by Location (Applies to Servicing Only) (11/10/2026)
Type of Service RI SC SD TN TX UT VT VA VI WA Substitution of Hazard Insurance Policy
$10 $15 $10.50 $7.50 $10 $10.50 $10 $10 $10 $15
Returned Check* $25 $20 $15 $20 $25 $15 $25 $15 $10 $15 Modification of performing Mortgage
$50 $50 $50 $50 $50 $50 $50 $50 $50 $50
Modification of the mortgaged Property
$100 $100 $100 $150 $110 $100 $100 $110 $100 $125
Incorporating a Borrower’s name change into the Servicer’s loan system
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Re-analyzing escrow accounts and providing new coupon books
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
No Charge
Copy of Mortgage Note $10 $10 $10 $10 $10 $10 $10 $10 $10 $10
Copy of Closing Disclosure** $10 $10 $10 $10 $10 $10 $10 $10 $10 $10 Copy of Amortization Schedule**
$15 $15 $15 $15 $15 $15 $15 $15 $15 $15
Replacement Coupon Books $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Verification of Mortgage $20 $20 $20 $20 $20 $20 $20 $20 $20 $20 Copy of Year-End Statement $5 $5 $5 $5 $5 $5 $5 $5 $5 $5 Transmittal of Payoff Statement via Facsimile
$5 $5 $5 $5 $5 $5 $5 $5 $5 $5
Additional Payoff Statements***
$10 $10 $10 $10 $10 $10 $10 $10 $10 $10
* Unless prohibited by the Borrower's bank, the Mortgagee must present the check for payment twice before it can be deemed “uncollectible” when returned unpaid. **other than the statement or schedule provided at closing *** after two payoff statements have been provided free of charge for the calendar year
Page 1784
Appendix 3.0 – Post-endorsement Fees and Charges by Location (Applies to Servicing Only) (11/10/2026)
Type of Service WV WI WY Pacific Islands Substitution of Hazard Insurance Policy
$10 $10 $10.50 $10
Returned Check* $15 $20 $15 $15 Modification of performing Mortgage
$50 $50 $50 $50
Modification of the mortgaged Property
$110 $100 $100 $100
Incorporating a Borrower’s name change into the Servicer’s loan system
No Charge
No Charge
No Charge
No Charge
Re-analyzing escrow accounts and providing new coupon books
No Charge
No Charge
No Charge
No Charge
Copy of Mortgage Note $10 $10 $10 $10 Copy of Closing Disclosure** $10 $10 $10 $10 Copy of Amortization Schedule**
$15 $15 $15 $15
Replacement Coupon Books $5 $5 $5 $5 Verification of Mortgage $20 $20 $20 $20 Copy of Year-End Statement $5 $5 $5 $5 Transmittal of Payoff Statement via Facsimile
$5 $5 $5 $5
Additional Payoff Statements***
$10 $10 $10 $10
* Unless prohibited by the Borrower's bank, the Mortgagee must present the check for payment twice before it can be deemed “uncollectible” when returned unpaid. **other than the statement or schedule provided at closing *** after two payoff statements have been provided free of charge for the calendar year
Page 1785
Appendix 4.0 – FHA Home Retention Options Calculations (Applies to Servicing Only) (12/30/2025)