The following is a list of charges that Triad Financial Services, Inc. (NMLS #1063) may collect from its Delaware customers for manufactured home secured closed-end loan transactions:
Credit Report Fee:
Actual amount charged by credit reporting agency from $0.00 to $30.00
Flood Certification Fee:
Actual amount charged by flood certification company from $0.00 to $16.75
Official Fees:
Actual amount charged by Delaware DMV from $0.00 to $55.00
Tax Service Fee:
Actual amount charged by tax service company $0.00 to $165.00
Broker Fee:
Actual amount agreed to between consumer and loan broker
Valuation Fee:
Actual amount charged by valuation/appraisal company from $0.00 to $49.00
Verification of Employment:
Actual amount charged by employment verification service from $0.00 to $39.50 per borrower
Property Insurance Premium:
Actual insurance premium charged by insurer
Homeowner Warranty Premium:
Actual warranty premium charged by insurer
Late Charges:
5% of the unpaid payment amount, for payments not made within fifteen (15) days of their due date
NSF/Returned Payment Charges:
$40.00 if any payment is returned
Attorneys’ Fees & Collection Costs:
Reasonable attorneys’ fees and collection costs incurred by Triad Financial Services, Inc. to collect any amounts due from the customer
Repossession, Repair, Storage Costs:
Reasonable actual amount incurred
Sales Commission:
Reasonable actual amount incurred
Forced Place Insurance Premiums:
Actual insurance premium charged by insurer