So is a corrected HUD always required? If you have a loan that is closed with the understanding of it being sold on the secondary market, fees are collected they charge, then they reject it for one reason or another. It is then booked in house. Those fees that were collected as required by the secondary market are now not required, but were collected. Can we send them a "Hello" letter basically saying we are going to keep your mortgage here now, and these fees are not required, but we collected, and send them a refund check? It was a purchase transaction and closed by an attorney.