In what situation is a lender allowed to collect additional fees related to a borrower's loan?

The correct answer is that a lender is allowed to collect additional fees related to a borrower's loan for official fees and taxes. This is because such fees are typically tied to the transaction of securing a loan, including costs related to title searches, recording fees, and various taxes that are legally required to be paid when property changes ownership or is financed.

Official fees and taxes are recognized by regulatory bodies and are necessary expenses that ensure the legal and proper processing of the loan. These fees are established by law, making it permissible for lenders to collect them as part of the overall cost of obtaining a mortgage.

In contrast, other options, like personal management services or application processing fees, may not be universally applicable or necessary for every borrower. Financing insurance premiums doesn't fall under required fees for the loan but refers more to optional insurance products that could be financed. Therefore, while lenders may charge for various services, only official fees and taxes are mandated costs associated with the loan process.