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None. I applied for a mortgage refinance with Better Mortgage on XX/XX/XXXX and received a loan estimate with a lender credit of {$3100.00}. I paid {$550.00} for an appraisal on XX/XX/XXXX in order to receive a rate lock. At the time of the application on XX/XX/XXXX, I provided an estimate of the home 's market value that had a loan to value ratio of 81 %, which meant PMI was part of the loan estimate. The home appraised a higher value bringing the loan to value ratio below 80 % and the PMI was rescinded from the loan estimate on XX/XX/XXXX. However, the lender 's credit decreased to {$450.00} on the revised loan estate from XX/XX/XXXX with no explanation from Better mortgage. The estimated closing costs increased over {$3000.00} despite no significant changes in circumstances occurring.