-spouse, parent or child
-corporation or entity that controls, is controlled, or is under common control with such person
-an employer, officer, director, partner, or franchiser of such person
-anyone with an agreement, arrangement, or understanding with such person, the purpose or substantial effect of which is to enable to person in a position to refer settlement business to benefit financially from referrals.
The APR includes costs associated with the laon including: Origination fees, discount points, tax service fees, underwriting fees, processing fees, prepaid/pay per diem interest, MIP, MI impounds/reserves, VA Funding fees, FHA UFMIP, buydown, flood certification fees, closing fees, and courier fees (lender)