Can you reduce lenders credits on a reverse mortgage? TRID is not applicable to reverse mortgages. And I cannot find anything that would prohibit this. (Lender Credits are being reduced because closing costs are coming in lower than expected)

Since reverse mortgage are covered under RESPA. Lender credits under the old RESPA guidelines were no different as it is an increase in closing costs.

So if there is a lender credit disclosed upfront to cover all closing costs but the closing costs come in much lower at the closing table, lender credits cannot be reduced to meet guidelines for insurability on a HECM? We cannot provide cash back to the borrower.