Fee Schedule

Mortgage Payment Options	Fee	Description	Posting Cutoff**
Automatic Recurring Draft	No Fee	There is no charge to set up or draft your payment.	N/A
Direct Mail - Check	No Fee	There is no charge to process a check submitted for payment.	N/A
Online or Phone (Automated System)	No Fee	There is no charge to process an automated one-time payment.	9:00 PM CT
Phone (Representative)	No Fee	There is no charge for our representative to process a one-time payment.	7:00 PM CT
Wire	No Fee	There is no fee for Gateway to accept an incoming wire, however there may be a fee from your financial institution to send the wire.	5:00 PM CT

Mortgage Payment Options	Automatic Recurring Draft
Fee	No Fee
Description	There is no charge to set up or draft your payment.
Posting Cutoff**	N/A

Mortgage Payment Options	Direct Mail - Check
Fee	No Fee
Description	There is no charge to process a check submitted for payment.
Posting Cutoff**	N/A

Mortgage Payment Options	Online or Phone (Automated System)
Fee	No Fee
Description	There is no charge to process an automated one-time payment.
Posting Cutoff**	9:00 PM CT

Mortgage Payment Options	Phone (Representative)
Fee	No Fee
Description	There is no charge for our representative to process a one-time payment.
Posting Cutoff**	7:00 PM CT

Mortgage Payment Options	Wire
Fee	No Fee
Description	There is no fee for Gateway to accept an incoming wire, however there may be a fee from your financial institution to send the wire.
Posting Cutoff**	5:00 PM CT

**Payments made on weekends, holidays, or after the posting cutoff will be processed on the next business day. Please allow up to 3 business days for your payment to draft from your bank account and to appear in your Payment History on your Gateway online account.

*Online and phone payments must be less than $15,000. If the amount is $15,000 or higher, please submit your payment by mail via cashier’s check or money order. You may also arrange for a wire transfer by calling customer service at (877) 764-9319 M-F 7:00 am - 7:00 pm CT.

Pay Online

Log into your online account and click the “One Time Payment” tab.

Pay by Mail or Overnight Mail

By mail:
Gateway Mortgage Attn: Cash Processing
PO Box 21044
Tulsa, OK 74121

By overnight mail:
Gateway Mortgage Attn: Cash Processing
244 South Gateway Place
Jenks, OK 74037-3448

Pay by Phone:
Call (877) 764-9319

The Fee Schedule listed on the following page is not a complete list of all costs that could be assessed to your account. This schedule is provided for informational purposes only.

Fee	Description	Definition
Late Charge	Based on the terms of the Note, loan type, and as permitted by state law.	Fee assessed for payments received after the due date and expiration of any grace period.
Return Check Fee	Varies by state or as allowed by investor guidelines.	Fee assessed when a payment is rejected by your bank upon the second presentment.
Escrow Waiver Fee	The greater of .25% of the unpaid principal balance or $150.00 in accordance with investor guidelines and terms of the Mortgage, or as permitted by state law.	Fee to waive the requirement to collect escrow deposits subject to state regulations, loan type, and payment history.
Re-amortization/Recast	$350.00	Fee to recast (re-amortize) the loan and lower the monthly payment after a principal curtailment substantially reduces the unpaid principal balance.
Amortization Schedule	$15.00	Fee for a copy of the Amortization Schedule.
Qualified Assumption	Up to $1,800.00. Varies by investor.	Fee charged for processing a loan assumption.
Subordination Fee	$200.00	Charge for making a lien on a property subordinate to a priority lien.
Partial Release	Up to $200	Fee for processing, evaluating, and approving requests to partial release or modify collateral.
Copy of Closing Documents	A copy of the closing package is $30. A copy of many servicing documents may be obtained online at no cost.	Fee for duplicating the entire loan closing package. A copy of many servicing documents may be obtained online at no cost.
Verification of Mortgage	$10.00	Fee to provide a written verification of mortgage to a third party.
Lien Release Preparation Fee	As allowed by state/loan type.	Fee charged at payoff to prepare the documents to release the lien on the property.
Lien Release Recording Fee	Varies by county.	Fee charged by the County Clerk to record the release or satisfaction of lien at payoff.
BPO Fee	Actual Cost Incurred	Fee charged if we are required to determine the condition and value of your home. May be a Broker Price Opinion or other Valuation of Property.

Fee	Late Charge
Description	Based on the terms of the Note, loan type, and as permitted by state law.
Definition	Fee assessed for payments received after the due date and expiration of any grace period.

Fee	Return Check Fee
Description	Varies by state or as allowed by investor guidelines.
Definition	Fee assessed when a payment is rejected by your bank upon the second presentment.

Fee	Escrow Waiver Fee
Description	The greater of .25% of the unpaid principal balance or $150.00 in accordance with investor guidelines and terms of the Mortgage, or as permitted by state law.
Definition	Fee to waive the requirement to collect escrow deposits subject to state regulations, loan type, and payment history.

Fee	Re-amortization/Recast
Description	$350.00
Definition	Fee to recast (re-amortize) the loan and lower the monthly payment after a principal curtailment substantially reduces the unpaid principal balance.

Fee	Amortization Schedule
Description	$15.00
Definition	Fee for a copy of the Amortization Schedule.

Fee	Qualified Assumption
Description	Up to $1,800.00. Varies by investor.
Definition	Fee charged for processing a loan assumption.

Fee	Subordination Fee
Description	$200.00
Definition	Charge for making a lien on a property subordinate to a priority lien.

Fee	Partial Release
Description	Up to $200
Definition	Fee for processing, evaluating, and approving requests to partial release or modify collateral.

Fee	Copy of Closing Documents
Description	A copy of the closing package is $30. A copy of many servicing documents may be obtained online at no cost.
Definition	Fee for duplicating the entire loan closing package. A copy of many servicing documents may be obtained online at no cost.

Fee	Verification of Mortgage
Description	$10.00
Definition	Fee to provide a written verification of mortgage to a third party.

Fee	Lien Release Preparation Fee
Description	As allowed by state/loan type.
Definition	Fee charged at payoff to prepare the documents to release the lien on the property.

Fee	Lien Release Recording Fee
Description	Varies by county.
Definition	Fee charged by the County Clerk to record the release or satisfaction of lien at payoff.

Fee	BPO Fee
Description	Actual Cost Incurred
Definition	Fee charged if we are required to determine the condition and value of your home. May be a Broker Price Opinion or other Valuation of Property.

Default Related Service Fees

Default costs follow state and local requirements as well as investor and insurer guidelines which often vary based on loan type, outstanding principal balance, payment status as well as property location, size and condition.

Default and Bankruptcy costs reflect the actual amount paid to third-party partners for a service performed. No representation or warranty is made in regard to the services provided or the effectiveness of any treatment or remediation action which may be performed.

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