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USDA RD Guarantee & Annual Fee 2015 Settlements for mortgage insurance kickbacks reach $39M in Florida, NJ The suit claimed that the company’s First american title insurance Co. unit illegally used Florida-based title insurance agencies created by the company solely to pay mortgage brokers, banks, and.The new USDA RD Guarantee Fee structure has been set in regards to rural housing loans. The new Guarantee Fees start October 1, 2015 and will be effective for Single Family Housing, 502 Guaranteed loans in fiscal year of 2016. The new upfront guarantee fee will change from 2 percent of the loan amount to 2.75 percent of the loan amount.