Which items fall under the No Tolerance category?

The No Tolerance category refers to specific fees or costs associated with a mortgage that cannot increase from the loan estimate to the closing disclosure. In this category, the costs can only remain the same or decrease, providing borrowers with a level of certainty regarding their expected expenses.

Realtor fees, attorney fees, and homeowners insurance all fall under this category because they are considered "services for which the consumer is not permitted to shop." In simpler terms, these are fees that are not subject to variability or changes based on the actions of the borrower.

Realtor fees typically involve commissions that are agreed upon and cannot fluctuate significantly; attorney fees are often set based on standard rates or flat fees for services rendered; and homeowners insurance premiums can be calculated and quoted prior to closing, ensuring that these figures remain stable for the borrower. Since all these items fall under the No Tolerance category, selecting all of the above is the correct choice.