This case in point discusses RESPA’s application to fee-splitting and unearned fees, as viewed through the recent case decision, Freeman v. Quicken Loans. Facts: A homebuyer applied to a lender for a purchase assist mortgage. During negotiations, the homebuyer agreed to pay the lender additional “loan discount fees” to buy down the interest rate on … Continue reading first tuesday case in point: RESPA “no-new-service, no-second-fee” rule applies only to fee splitting