Comparing mortgage quotes should be more standardized now since HUD has changed the rules regulating how lenders disclose loan fees and closing costs. Mortgage lenders must now disclose a single origination fee on the borrower's Good Faith Estimate and the HUD-1 Settlement Statement, which includes the estimated mortgage loan rate, fees, and total lender compensation. Lenders are not allowed to increase their origination fee from the mortgage quote, however, some other closing costs including title insurance and recording fees can increase by as much as ten percent. Quotes for mortgage related items such as homeowner’s insurance and other services provided by third parties selected by the borrower are not subject to these limitations. A new version of the HUD-1 closing form includes a comparison of the estimated costs and final costs, plus a summary of the mortgage rate, loan terms and information.