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# How does Fee Refundable prior to Closing impact the documents?

Fee Refundable prior to Closing determines how the Lock In or Commitment fee will be disclosed on the Lock In Agreement and Mortgage Loan Commitment for most states. There are, however, some exceptions:

- When the collateral state is New Jersey, any fee with Fee Refundable prior to Closing selected and is paid as part of the application process as indicated on the Application Fees Disclosure- NJ will be disclosed as refundable.
- When the collateral state is Mississippi, the interest rate is locked, and you include the Lock-In Agreement-MS in your document list, the Lock In fee will be disclosed as refundable on the Lock-In Agreement-MS when Fee Refundable prior to Closing is selected.
- When the collateral state is Montana, the interest rate is locked, and you include the Lock-In Agreement-MT in your document list, the Lock In fee will be disclosed as refundable on the Lock-In Agreement-MT when Fee Refundable prior to Closing is selected.
- When the collateral state is Minnesota and the interest rate is locked the Lock In fee will be disclosed as refundable on the Lock Agreement-MN when Fee Refundable prior to Closing is selected.
- When the collateral state is Virginia, any fee with Fee Refundable prior to Closing selected will be disclosed as refundable on the Mortgage Loan Application Disclosure-VA.
- When the collateral location state is other than District of Columbia, Florida, or Texas the Commitment fee will be disclosed as refundable on the Mortgage Loan Commitment Letter when Fee Refundable prior to Closing is selected.
- When the collateral location state is District of Columbia, Florida, or Texas selecting Fee Refundable prior to Closing does not impact the documents.