Loan app starts out as a secondary market real estate transaction. Early disclosures are given. A counter offer is given to do the loan "in-house". Lender closes loan the next day. Since it is prior to 07/30/09, should the early docs have been redone since there is a big difference in fees? From what I am reading in 226.17(f) it states that if a subsequent event makes the disclosure inaccurate (changing from secondary market to in-house) that the disclosures should be redone. If the loan closes the day after the counter-offer, is it acceptable to just have the closing docs or should the early disclosures been given as well? Thanks for any input.