Remove Lump Sum Lender Credit-Add Specific?

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Question:

If we disclose a general lender credit on the Loan Estimate sent to the borrower, can we remove the lump sum lender credit and make it a specific lender credit? Or are we bound to give the lump sum credit because that was disclosed and not itemized to a specific fee up front?

Answer:

The requirement is that the total of lender credits -- specific and general -- on the closing disclosure be no less than the lender credit on the loan estimate. It is not possible to disclose specific lender credits on the loan estimate.