Loan Related. Like many pre-paids, these are the sums paid to the buyer’s lender or as a result of the lender’s requirements. Examples include a credit report fee, flood certificate fee, and a tax service fee. Fees payable directly to the lender, such as discount and loan origination and processing/underwriting fees, may also be part of a loan. All of these charges are almost always paid by the buyer. However, the appraisal fee – payable to the lender like the fees and costs above, is negotiable under our standard Arizona form of contract, so either the buyer or seller may pay it.