I'm going to twist this topic, but just a bit.
What's the consensus on re-issuing a GFE when the only thing that has changed is the rate lock? In other words, X% was disclosed and X% was locked the next day. In my opinion no "interest-rate dependent charges or terms" have been impacted by the rate lock - so is it necessary to issue a revised GFE to reflect that the rate wasn't locked yesterday, it is today, but your closing costs are identical?
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