Why did my Bank of America mortgage loan estimate change right before closing, and is that legal?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why did my Bank of America mortgage loan estimate change right before closing, and is that legal?
3 real searches · 1 real-search pass
CFPB revised Loan Estimate changed circumstance 10 percent tolerance zero tolerance mortgage closing costs Regulation ZGoogle ↗
OBSERVED
CFPB Closing Disclosure three business days before closing mortgage revised loan estimate timingGoogle ↗
OBSERVED
eCFR 12 CFR 1026.19 revised loan estimate changed circumstances timing four business days consummationGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
CFPB revised Loan Estimate changed circumstance 10 percent tolerance zero tolerance mortgage closing costs Regulation Z Google ↗
CFPB Closing Disclosure three business days before closing mortgage revised loan estimate timing Google ↗
eCFR 12 CFR 1026.19 revised loan estimate changed circumstances timing four business days consummation Google ↗
- 12 CFR § 1026.19 - Certain mortgage and variable-rate transactions. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- What is a Closing Disclosure? · consumerfinance.gov
- What should I do if I do not get a Closing Disclosure three days before my mortgage closing? · consumerfinance.gov
- Submit a mortgage complaint · consumerfinance.gov
- Bank of America · bankofamerica.com
- Look out for revised Loan Estimates · consumerfinance.gov
- Can my final mortgage costs increase from what was on my Loan Estimate? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB revised Loan Estimate changed circumstance 10 percent tolerance zero tolerance mortgage closing costs Regulation Z OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB Closing Disclosure three business days before closing mortgage revised loan estimate timing OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
eCFR 12 CFR 1026.19 revised loan estimate changed circumstances timing four business days consummation OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |