Certain fees and charges disclosed on the Loan Estimate have a 0% tolerance. These include things like lender origination fees, investor fees, transfer taxes, and fees for certain third-party services (credit report, flood determination, appraisal, etc.). In other words, these types of fees cannot increase unless there is a valid changed circumstance. Once you become aware of a valid changed circumstance, you are “on the clock” and generally need to issue a revised Loan Estimate within three business days. Thus, it’s really important for lenders and loan processors to document what they know and when they know it, in order to show that these timing requirements were met.
Jerod explains more in the video.
Published 2026/03/24