In theory both parties will eventually see everything.

loan that covers third-party costs where the rate has been locked, the GFE should show a credit for the interest rate chosen, in an amount sufficient to cover the estimated loan originator and third party fees.

If you invest where you live I would suggest going higher, we know how us Cougs love to party!  

NJ casino industry will likely see some dark times .  

Get or give a digital copy to/from the other party once the document is returned with it's stamp. 

I always look for a win-win situation for all parties involved.

It's usually best to convert the fee to a % of the sale price as a commission or charge a flat fee as a Realtor, disclosed to all necessary parties.

But just think about how nailed down you have your costs before you get started, and try to get firm numbers with signatures and commitments from your contractors/3rd parties to the extent possible.

As a buyer/investor you can blow as hard as you want trying to educate the guilty parties, but at the end of the day... you'll just be blue in the face and their rose colored glasses will continue tinting their outlook.  

The Fair Credit Reporting Act (FCRA) requires specific things be done when there is an ADVERSE outcome based on information received in a report from a third party information agency.