I have a loan that was scheduled to close today, they lowered loan amount by $10,000. APR not affected by .125 but finance charge dropped from disclosed amount of $166,808 to $159,607. But finance charge did not increase from disclosed amount by the $100.00 so no new disclosures are necessary, right? If we do redisclose even tho APR not affected, wouldn't we have to wait the 3 days to close?