I apologize, what I meant to write was the changing of the escrow company, not title company.
The part of the FAQ's I do not fully understand is, if the borrower elects to change settlement companies after the GFE has been issued (say from a non-listed provider to a listed provider) this is not a changed circumstance and a revised GFE may not be issued. How does this make sense? The Bank is moving from a position of "no tolerance" to "10% tolerance", all because of the borrowers election to change providers.
But if they are electing to change to one of your recommended providers, this again really shouldn't make a difference... your intitial GFE quote should be based on what your providers will charge for that scenario, not what someone you do not recommend would charge. Hence, why you recommend them in the first place.