Q: Are there circumstances where creditors are allowed to charge more than disclosed on the Loan Estimate?
A: Yes. A creditor may charge the consumer more than the amount disclosed in the Loan Estimate in specific circumstances, described below:
Changed circumstances or another triggering event under § 1026.19(e)(3)(iv) permits the charge to be changed and a revised Loan Estimate, a Closing Disclosure, or a corrected Closing Disclosure is provided to the consumer in accordance with the TILA-RESPA Rule. (§ 1026.19(e)(3)(iv)) (See section 8.2 below)