Consider... 16.3. Janice and Albert Johnson purchased a home on August 12, 2020. Their closing was scheduled for September 11, 2020. Their mortgage application was completed on August 15, 2020, and their interest rate was locked at that time. They received their GFE on August 21, 2020. Their GFE had the following estimates and actual costs: CATEGORY GFE ESTIMATE ACTUAL CLOSING AMOUNT Recording fees $60.00 $75.00 Property transfer taxes $131.50 $132.50 YSP $2,173.00 $2,073.00 Title company fees (selected by the Johnsons) $625.00 $700.00 Loan origination fees (loan originator selected by the Johnsons) $545.00 $765.00 Homeowner insurance $1200.00 $1535.00 Copy and delivery fees by title insurer $10.00 $15.00 Stamp tax $5.00 $7.00 Discuss whether there are any RESPA violations in the Johnsons' closing process