Required by the Truth-in-Lending Act, the annual percentage rate (APR) is disclosed by the lender to the borrower on virtually all U.S. home mortgage loans. Which of the following loans costs are not included in the APR calculation: O Third party appraisal, title search fees, and title insurance premiums O Upfront premiums for required forms of mortgage insurance O Compensation to mortgage broker, if one was used by the borrower O Finance charges assessed by the lender, such as discount and origination fees (points), and underwriting fees