Settlement services include all of the following EXCEPT:

Settlement services typically cover a range of costs and services that are directly involved in the closing of a real estate transaction. This includes expenses like settlement agent fees, which are charged for the services provided during the conveyance of the property, and inspection and appraisal fees, which are essential for determining the property’s value and condition before the sale is finalized. These services are integral to the settlement process as they help ensure that all aspects of the transaction are properly completed and legally compliant.

However, loan servicing fees are distinct from settlement services. They are associated with the ongoing management of a mortgage loan after it has closed, including tasks like collecting monthly payments, managing escrow accounts for property taxes and insurance, and handling customer service inquiries. These fees are incurred throughout the life of the loan rather than as part of the transaction's closing process, which is why they do not qualify as settlement services. Thus, by defining settlement services more narrowly, it becomes clear why loan servicing fees are the correct answer in this context.