Jenna and Todd Alder Are Closing on Their Home

Jenna and Todd Alder are closing on their home. Their GFE disclosure put their closing costs at $4,200. When they arrive for their closing, the escrow agent explains that their closing costs will be $5,800. To determine whether there is a RESPA violation of the GFE, what will you need to know?

A) Whether Jenna and Todd have a FHA or conventional loan because RESPA GFE does not apply to conventional loans
B) Whether Jenna and Todd chose their own loan originator
C) Whether they are using cash for the closing fees
D) The amount of their down payment