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Some states do not even use escrow companies but need to use attorneys. In California, by laws regulating the insurance industry, these fees must be published and they are not allowed to vary. The title company we use offers a $350 escrow (settlement) fee, this is for loans up to $500k I believe.
â¢ The HUD-1 may itemize a borrower settlement fee in line 1102, if the closing and title services provider is the same, as long as the settlement fee is disclosed outside the borrowerâs column of 1102. Again, SunTrust considers this fee a finance charge. The GFE should have the settlement fee included in GFE Block 4 and the HUD-1 should reflect it in the borrowerâs column on line 1101 together with the title-related charges.