Which of the following fees is NOT included on the Good Faith Estimate?

The Good Faith Estimate (GFE) is a document provided to borrowers that outlines the estimated costs associated with obtaining a mortgage. It's designed to give borrowers a clearer understanding of the financial obligations they will incur during the loan process.

Real estate broker fees are considered separate from the loan origination process and are not included in the GFE because they relate to the services provided in the purchase or sale of real estate rather than the mortgage itself. These fees are typically negotiated between the seller and the broker, and while they can affect the overall transaction costs, they do not directly pertain to the loan-related fees that the GFE covers.

On the other hand, loan origination fees, discount points, and real estate taxes are all costs directly associated with the mortgage. Loan origination fees represent the charge from the lender for processing the loan, discount points are fees paid upfront to reduce the interest rate on the mortgage, and real estate taxes are recurring charges that the borrower is likely to incur as part of homeownership. Thus, these items are typically included in the GFE to provide a comprehensive overview of the expected costs related to the loan.