I have been on a number of group meetings lately about RON Closings and it seems only about 15% of lenders are doing them, according to polls during the meetings. I heard that the fee charged by the RON vendor can be charged as an out of pocket expense,, so long as it is identified on the settlement statement as a vendor fee. So it would be a separate charge  from the Closing fee

 I also heard that there is a push for RON and that "in the future"  FNMA/FHLMC is considering penalizing lenders for sending in wet-ink signed mortgage notes. That would certainly force RON closings. if/when that happens, we need to be ready!