You do not have to sign anything at closing unless you are satisfied with the terms. If you are borrowing money to buy a home, you likely have a contract with the seller. That contract may limit the amount of time you have to purchase the home and also subject you to legal action if you break the promises you made in it to the seller. However if there are loan terms that are different from what you expected, you should ask for an explanation.

Before signing, make sure the settlement agent, lender or broker has a permissible reason to change the loan terms and only sign if you are sure you can pay the higher payments on the loan. Do not sign any papers you do not understand. Review your contract or seek the advice of an attorney to determine what options you have if you decide to walk away from a particular loan offer. You can also file a complaint with the CFPB online or by calling 1-855-411-CFPB (2372).