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 http://www.hud.gov/offices/hsg/rmra/res/respa_hm.cfm