If you obtained your loan after January 1, 2010, the following items listed on the Good Faith Estimate (GFE) CANNOT increase:

• The “Origination Charge” listed in Block 1
• If your interest rate is locked, the “Credit or charge (points) for the specific interest rate chosen” in Block 2
• If your interest rate is locked, your “Adjusted Origination Charges” listed in Box A
• The Transfer Taxes listed in Block 8

The following items listed on the most recent Good Faith Estimate you received cannot increase in total by more than 10 percent at closing:

• Services listed in Block 3, which are services for which your lender chooses the provider
• Title services and lender’s title insurance charges listed in Block 4, if you use a company identified by your lender
• Owner’s title insurance listed in Block 5, if you use a company identified by your lender
• Charges listed in Block 6, if you select a company listed for those services in Block 6
• Government recording charges listed in Block 7

The following items can change:

• Charges for any services that you obtain from a company not listed by your lender
• Title services, lender’s title insurance, and owner’s title insurance if you do not select a company identified by your mortgage originator
• Your initial escrow deposit listed in Block 9
• Your daily interest charges listed in Block 10
• Your homeowner’s insurance listed in Block 11