Our Mortgage department started a refi loan with GMAC and was approved, Due to some selfemployment issues now the customer has requested to have their loan go in house. Since they are good customers we have approved this change. Now we are trying to figure out just what we can and can’t do. We are using the original RESPA docs but will now be doing a new TIL & GFE. Does a changed circumstance apply. Interest rate, term, fees & lender will change.