Hello I am a first time home buyer and we are scheduled to close next Thursday. I had been approved for a loan threw my bank but because they don't do manufactured home loans they had to have a partner company do the underwritng. I had recieved paperwork from the bank with a good faith truth in lending statement for a set amount and was set to go.Underwriting took quite some time but finally was finished last week.I have paid all fees and then yesterday I got a packet of paperwork from the underwriters. They have estimated my payments at 200 dollars more than what my bank quoted !!! i am hoping someone can tell me why this happened and what this means.my lender says to wait until the appraisal goes threw but we should be able to pay the amount they quoted me not the amount stated on the truth in lending document from the underwriter but also told me to sign the paperwork from them and send it to them. Anyone that as bought a house please tell me is this normal ?