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I'm in the middle of this - so just a quick post and maybe more to come later if people are interested.

Federal law says that the Good Faith Estimate can be changed at any time up to 3 days before close. I'm in the position where I locked in rates near the bottom, and now when they're 100 basis points higher my broker is adding $800 on to the guaranteed closing costs (guaranteed to beat any competitor by $200 - and as reflected in the original GFE). This is not an escrow change, which I wouldn't care about, it's fees paid to them and their cohorts. I call them cohorts because they told me one of the reasons they can have lower closing costs is because they're affiliated with the title company - a fee I specifically questioned up front because it seemed to low - has almost doubled on the "final" GFE.

I'm still digging on this one - doesn't seem right to me - to add a $225 admin cost.....I can understand reflecting an increase in filing fees.

Again, more later once the dust settles here.
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