We went through the whole process and I got the final approval. However, in the final paperwork I found out that my fees increased by {$2600.00}, and there was no notice or communication from my loan officer. When I finally got hold on my mortgage officer ( on the day I was supposed to sign ), she explained that the change is due to the fact that my property is formally considered a condo, not a townhouse - and it 's my fault that I did not know the difference and mislead them. 
In my case, the lender knew that this was a condo from the appraisal report that came 20 days ago. 
Looking back, I realized that the lender never gave me the actual rate lock document, just the itemized fee worksheet. 
