HUD's FAQs - May a Loan Originator Alter the GFE by Adding Signature Lines to the GFE?

Compliance > Regulation X - RESPA > GFE and HUD-1 > HUD's FAQs
Q: May a loan originator alter the GFE by adding signature lines to the GFE?

A: No. However, loan originators may develop practices and procedures to document the consumer‘s acknowledgement of receipt of the GFE. Loan originators may not refuse to provide a GFE based upon a consumer‘s refusal to acknowledge receipt of the GFE. Acknowledgement of receipt of a GFE, by itself, does not constitute an expression of an intention to proceed with the loan covered by the GFE.

This can be found in GFE-General – FAQ #28 of HUD’s FAQs.  HUD’s FAQs can be found at

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