I'm saying that, if the bank used its historic data involving loans to purchase that builder's houses to estimate the fee because it had not received the P&S copy in time to use P&S info, but later received the P&S which provided additional detail on the specific purchase (let's say it involves some custom changes or additional features), and the P&S reflects a higher builder's fee, I'd consider that a changed circumstance because it involves information the bank was not aware of when the LE was issued.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8