U.S. Mortgage Index

What should I do if I find an error in my mortgage closing documents?

Short answer

If you spot an error in a closing document, contact the lender or settlement agent immediately so it can be corrected. The CFPB says mistakes range from a misspelled name to a wrong loan amount and can delay closing. Ask for every document in advance and check names, addresses, rates, and dollar figures.

Full explanation

Do not assume the file was prepared correctly. The CFPB says errors can be as small as a misspelling or a wrong address digit, or as serious as an incorrect loan amount or missing pages. Any of those problems can push closing back by hours or days because the papers have to be in order first.

Ask to see the full set early, pay closest attention to the loan documents, and question anything you do not understand. Talk with the closing agent at least a few days ahead and confirm who is responsible for the file. Before you go, call to ask whether the transaction file is complete and ready to sign. The CFPB also publishes an interactive guide and a guide to other key closing forms.

A Loan Estimate and Closing Disclosure are not used for a reverse mortgage, a HELOC, a manufactured-housing or mobile-home loan that is not secured by real estate, or certain homebuyer-assistance subordinate loans. Those products use Truth-in-Lending disclosures, and a reverse mortgage also uses a Good Faith Estimate and a HUD-1 Settlement Statement. If a problem is unresolved, discuss it with the lender or submit a CFPB complaint. A complaint is forwarded to the lender and is not itself a finding of wrongdoing.

Sources reviewed

Last reviewed

September 10, 2026