Notwithstanding the provisions of KRS 286.4-530(10) or of any other law, in any extension of credit pursuant to KRS 286.4-420 to 286.4-991 wherein the licensee shall take a lien on real estate for security for any loan under this subtitle, the licensee may charge and collect the following closing costs if they are bona fide, reasonable in amount and not for the purpose of circumvention or evasion of the provisions of this subtitle:
(1) Fees or premiums for title examination, abstract of title, title insurance, survey, or similar purposes, if not paid to the lender or a person related to the lender;
(2) Fees for preparation of a deed, settlement statement, or other document, if not paid to the lender or a person related to the lender;
(3) Escrows for future payment of taxes, including assessments for improvements, insurance, and water, sewer and land rents;
(4) Fees for notarizing deeds and other documents, if not paid to the lender or a person related to the lender;
(5) Appraisal fees, if not paid to the lender or a person related to the lender.