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None. I signed the closing disclosure on XX/XX/XXXX for a refinance home loan with Loandepot.com. Today, XX/XX/XXXX I checked my loan depot account online and noticed they have multiple closing disclosures that show a different : monthly payment, closing cost, homeowners insurance amount, and different cash amount given to me. I spoke with XXXX XXXX, the Sr. account manager, and she mentioned the reason it changed because the insurance was not included in the loan estimate, and that there was a renewal of the home insurance which is more expensive. The home owner 's insurance it 's included in the closing disclosure I signed which rejects XXXX XXXX XXXX 's explanation of the increase. I left a message today to XXXX XXXX wanting to cancel because according to their legal documents,