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My question was only about origination fee and credit to buyer. I am aware about other charges that can change up to 10% (it is right on the HUD statement) and that some cannot change. My question was about the relevant law and procedure that they should have followed. I submitted the application on 5/1 and they updated the numbers around Sep 20th. I am now concentrating on origination fee only. Can they change it w/o a specific process? They content they send me an updated FedEx with a new GFE numbers and I received it on 9/24. FedEx tracking number supports that but unfortunately I do not have this FedEx. Assuming that it is true -- was it a sufficient process for them to follow? It was just two weeks before the closing, well into the process. They have a "justification" that I refuse to accept but I don't want to go into much details here--just want to know the law on the process itself.
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