Recognize Changed Circumstance & Issue Revised Loan Estimate

Recognizing a Changed Circumstance & 
Issuing a Revised Loan Estimate  

Tuesday, September 27, 2022 
3:00 pm – 4:00 pm Eastern

What circumstances allow for a revised Loan Estimate?  Do you understand the timing and documentation requirements?  What about tolerance levels, testing, and resetting?  Join us to learn how to identify a legitimate TRID changed circumstance and keep your institution in compliance.


  • Recognize valid changed circumstances which permit issuance of a revised Loan Estimate
  • Identify when a revised Loan Estimate must be issued
  • Distinguish when a revised disclosure was made for information purposes
  • Explain the timing requirements associated with a valid changed circumstance
  • Develop documentation to justify resetting baselines for tolerance testing
  • Determine the fees impacted as a result of the changed circumstance


There is change in every aspect of life and the mortgage loan process is no exception.  Changes happen for a variety of reasons, whether initiated by the borrower or when information relied upon by the lender changes or was inaccurate.  Your institution must be prepared to recognize opportunities to issue a revised Loan Estimate that enables critical tolerance levels to be reset.

This webinar will dive into what constitutes valid TRID changed circumstances and how to issue a revised Loan Estimate in a timely manner.  Loan file documentation is critical to support the reason for the change and to clearly identify the fees that were directly impacted to reset tolerance levels.  This webinar is designed to ensure you are prepared to capture opportunities to issue revised Loan Estimates and properly support your institution’s response to a change.


This informative session is designed for mortgage lenders, loan processors, loan review staff, auditors, and compliance officers.


  • Sample changed circumstance form
  • Tolerance fee category example chart
  • Employee training log 
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits


Molly Stull, Brode Consulting Services, Inc. 

Molly Stull began her career as a teller while working on her undergraduate degree and has continued working in the financial industry ever since.  She has experienced the growth of a hometown bank, branch mergers, charter changes, name changes, etc.  Molly has activated business resumption plans, performed secondary market quality control reviews, processed wires, filed SARs, and coordinated reviews with external auditors and examiners.  Her favorite role has always been educating staff and strongly believes that if staff understands the reason for a process they will be more compelled to follow the procedures.  Molly holds a bachelor’s from the University of Akron and an MBA from Ashland University.

Attendance verification for CE credits provided upon request.

Webinar Sponsored by Financial Education & Development

If you are having issues with registering online, please contact CBAO's Education, Training & Special Events Coordinator, Malia Widder, (614) 610-1877.

Registration Options (Member/Non-Member Pricing)
Live Webinar ($265/$400) – The live webinar option allows you to have unlimited connections within your institution to virtually attend the Live Webinar. The session includes question and answer sessions, handout and take-away toolkit, and the presenters contact information for follow-up, will all be emailed to you the morning of the live webinar.

On-Demand Webinar + Free Digital Download ($295/$450
– Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 2 business days after the live webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.

Both Live Webinar & On-Demand Webinar + Free Digital Download ($395/$600
– Includes Live Webinar and Recorded Webinar options above.


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