New Jersey permissible fees

In New Jersey, a lender may only charge fees listed in N.J. Admin. Code § 3:1-16.2(a), including application fee, credit report fee, appraisal fee, commitment fee, lock-in fee, warehouse fee, specified third-party fees, discount points, and a $25 cancellation service fee. A broker may charge application and appraisal fees, but both may not charge an appraisal fee on the same loan. Fees not listed, such as processing or underwriting fees, are prohibited unless specifically authorized by other law.