Thanks to various loopholes, people shopping for a mortgage can find themselves hit at closing time with lending fees changed dramatically from the initial quote.

To combat this, Jack Guttentag advises asking for the full lender charges in writing before sending in an app. Let the broker or lender know you expect to see them upheld, and, "in most cases, it will be." — BEN POPKEN

Legal Thievery at the Closing Table [Yahoo Finance]