We had a situation come up where a loan in an escrow state did not disburse the next day, but is set to disburse today (2nd business day after closing). The lock expired, so secondary is looking to do a rate lock extension, but there is usually a fee associated with this. The 7-day extension costs $600. The Final CD has been signed by the borrower, but for investor or other purposes the loan is not "closed" until disbursement. Any thoughts on whether we can charge the lock extension fee to the borrower, as a circumstance arose that we were unaware of when the disclosures were previously provided? Or, do we need to honor the final CD and "eat" the fee?