Quick answer
Compare the final disclosures with earlier estimates and ask for explanations before closing.
Do now
Review rate, term, payment, escrow, taxes, insurance, cash to close, and itemized costs. For mortgages covered by the Closing Disclosure rules, CFPB explains a general three-business-day preclosing receipt requirement. Ask whether a change requires a revised disclosure or additional waiting period.
Watch for
Not every loan product uses the same disclosure forms. Preapproval is not a final commitment, and unexplained differences should be resolved before signing.
Official sources
CFPB — What Is a Closing Disclosure?, CFPB — What Is a Loan Estimate?.
