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scott groves here with another mortgage mystery why are the fees on your initial disclosures so expensive and is your loan officer lying to you i get this question a lot it most recently came to me from one of my favorite realtors named kenya asking hey scott how come on the initial disclosures when you send them out when a client gets their offer accepted are the fees so much higher than what we know theyre going to be at the close of the contract well this is a very confusing situation and it can be a little different depending on the geographical area youre in so heres the long story first of all your lender might just be in a rush every transaction is under a crazy deadline right now so frequently when we send out the initial disclosures to our client meaning the offer has been accepted and now we have to start working on things like the final loan approval ordering the appraisal the clients got to get their inspection done with their realtor things are moving very quickly and