Looking to buy a home in the Fort Myers or Cape Coral areas and wondering if your settlement charges can change if you are in the middle of the closing process?

Yes, your settlement charges can change if circumstances change, such as:

  • A natural disaster damages the property or affects closing costs.
  • If any of the 3rd-parties impacting the estimate goes out of business during underwriting.
  • New information on you or the transaction affecting settlement is discovered.

If any of these events change 3rd-party charges beyond the 10% tolerance limit creditors may issue a revised Loan Estimate.

If a creditor issues a Loan Estimate they are presumed to have collected all 6 pieces of required information. They may not claim a change in circumstances by receiving one of these pieces of information AFTER issuing a Loan Estimate.


At Title Junction, we care about helping you stay informed throughout your real estate transaction. The experts at our title company have extensive knowledge about real estate not only in Cape Coral and Fort Myers, but all of Florida as well.

Have questions? Give us a call at 239.415.6574.

In case you missed it, check out our last Title Junction post: 3 Reasons Your Home Should Be Off the Holiday Market

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