The No Closing Cost Program is available for one- to two-family, primary residence purchase money mortgages up to the conforming loan limit, currently $806,500. Doublewide manufactured homes permanently affixed to a foundation and warrantable condominiums are eligible. Subject to credit qualification. Points and origination fees will not be charged. Fees for flood zone determination, credit report, appraisal, mortgage recording, abstract or title search, lender's title insurance, bank attorney and mortgage tax fees will be waived. Optional charges that are not included under this waiver include rate float down fees, discount points, and rate lock extension fees. Total fees waived are subject to recoupment if the mortgage loan is paid off for any reason within three years of the mortgage loan note date. Fees not included that must still be paid by the borrower include private mortgage insurance premiums for mortgages with less than a 20% down payment, escrow deposits, homeowner(s)' and flood insurance, tax prorations, borrower(s)' legal representation, optional owner(s)' title insurance and survey, whether required by the Bank or at the option of the borrower(s).