Can settlement agents legally bundle attorney fees into the standard closing costs for an FHA mortgage refinance?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can settlement agents legally bundle attorney fees into the standard closing costs for an FHA mortgage refinance?
3 real searches · 1 real-search pass
FHA refinance closing costs attorney fees settlement agent itemized disclosure HUD regulation attorney feesGoogle ↗
OBSERVEDReason
CFPB Closing Disclosure attorney fees settlement agent bundled fees RESPA Section 8 attorney feesGoogle ↗
OBSERVEDConsequence
HUD FHA Single Family Housing Policy Handbook refinance allowable closing costs attorney feesGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
FHA refinance closing costs attorney fees settlement agent itemized disclosure HUD regulation attorney fees Google ↗
CFPB Closing Disclosure attorney fees settlement agent bundled fees RESPA Section 8 attorney fees Google ↗
HUD FHA Single Family Housing Policy Handbook refinance allowable closing costs attorney fees Google ↗
- FHA Single Family Housing Policy Handbook · glb.hud.gov
- FHA Single Family Housing Policy Handbook · archives.hud.gov
- Real Estate Settlement Procedures Act FAQs · consumerfinance.gov
- 12 CFR § 1024.14 - Prohibition against kickbacks and unearned fees. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- § 1024.8 Use of HUD-1 or HUD-1A settlement statements. · consumerfinance.gov
- § 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). · consumerfinance.gov
- INSURANCE CODE CHAPTER 2702. CLOSING AND SETTLEMENT · tcss.legis.texas.gov
- Basic Manual of Title Insurance, Section IV (continued) · tdi.texas.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FHA refinance closing costs attorney fees settlement agent itemized disclosure HUD regulation attorney fees OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB Closing Disclosure attorney fees settlement agent bundled fees RESPA Section 8 attorney fees OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
HUD FHA Single Family Housing Policy Handbook refinance allowable closing costs attorney fees OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |