On December 30, 2009 HUD published Mortgagee Letter 2009-53 which removes the 1% origination fee cap on FHA-insured loans.  This change was made to be consistent to changes to the way origination fees are disclosed on the new Good Faith Estimate required on January 1, 2010 under the new RESPA rule. HUD continues to remnind lenders that their fees must continue to be “fair and reasonable.”  For more information the mortgagee letter can be viewed at:   http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/09-53ml.pdf