Section 156.304 - Fee Assessment and Disclosure(a) Before the completion of all services to be performed, a residential mortgage loan originator sponsored by and conducting business for a licensed or registered residential mortgage loan company under this chapter may charge and receive, unless prohibited by law, the following fees for services in assisting a mortgage applicant to obtain a residential mortgage loan: (1) a fee to obtain a credit report;(2) a fee for the appraisal of the real estate;(3) a fee for processing a residential mortgage loan application;(4) a fee for taking a residential mortgage loan application;(5) a fee for automated underwriting;(6) a fee for a courier service;(7) a fee to issue a loan commitment; or(8) subject to Subsection (b), a fee for locking in an interest rate.(b) A residential mortgage loan originator may not charge or receive a fee for locking in an interest rate unless there is a written agreement signed by the mortgage applicant and residential mortgage loan originator that contains a statement of whether the fee to lock in the interest rate is refundable and, if so, the terms and conditions necessary to obtain the refund.Amended by Acts 2013, 83rd Leg. - Regular Session, ch. 160,Sec. 35, eff. 9/1/2013.Amended By Acts 2011, 82nd Leg., R.S., Ch. 655, Sec. 33, eff. 9/1/2011.Added by Acts 1999, 76th Leg., ch. 1254, Sec. 2, eff. 9/1/1999.