Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NVR INC.
State: FL

Complaint narrative:
Initial closing date was XX/XX/year> Amount of monthly mortgage payment agreed to on closing date was {$2100.00} Amount of monthly mortgage payment changed to {$530.00} six weeks after closing date I am submitting this formal complaint regarding my mortgage loan with NVR Mortgage and what I believe to be potential violations of federal lending and disclosure laws, including the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ). At the time of loan origination, I was provided with a Loan Estimate and related disclosures that reflected a projected monthly mortgage payment that I relied upon in deciding to proceed with the loan. This amount appeared accurate and financially manageable. However, shortly after closing, my monthly mortgage payment was significantly increased. This increase was attributed, in part, to what the lender described as an administrative error. I was informed that, based on documents signed at closing, I was required to execute revised documentation reflecting the higher payment. While I acknowledge that lenders may correct legitimate clerical errors, I have serious concerns that : The initial disclosures may not have been accurate or complete, as required under TILA ( 12 U.S.C. 1601 et seq. and Regulation Z ). The increase in payment represents a material deviation from the amounts disclosed, raising questions about whether the original Loan Estimate and/or Closing Disclosure were prepared in good faith and in compliance with federal requirements. The lender has not provided sufficient documentation or a clear, detailed explanation supporting the alleged administrative error. Escrow-related amounts ( including property taxes and insurance ), governed under RESPA ( 12 U.S.C. 2601 et seq. and Regulation X ), may not have been properly estimated, disclosed, or explained. As a borrower, I relied on the accuracy of the disclosures provided to me. The subsequent increase in my mortgage payment has caused financial strain and undermines my confidence that the loan terms were presented transparently and in accordance with federal law. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require NVR Mortgage to provide : A detailed written explanation of the specific administrative error, including documentation supporting the correction. A side-by-side comparison of the original Loan Estimate, Closing Disclosure, and corrected payment calculations. A complete escrow analysis, including all adjustments to taxes and insurance. Confirmation that all disclosures were made in compliance with TILA ( Regulation Z ) and RESPA ( Regulation X ), including good faith requirements. I am seeking clarity, accountability, and assurance that my loan was originated and adjusted in compliance with applicable federal laws and regulations. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. I am submitting this complaint regarding my mortgage loan serviced by NVR Mortgage and concerns about discrepancies between the initially disclosed payment and the actual payment imposed after closing. During the loan origination process, I was provided with a mortgage payment amount that appeared accurate and financially manageable. However, shortly after closing, my payment increased in a manner that was not clearly disclosed or adequately explained. This unexpected increase has created financial hardship and raises concerns regarding the accuracy of the original disclosures. I was also required to sign documentation stating that the lender may correct administrative errors. While I understand such provisions may be standard, the subsequent adjustment to my payment appears significant and lacks sufficient justification or transparency. I am concerned that the initial payment representations may not have fully reflected the true cost of the loan, and that I was not provided with clear, accurate, and timely information necessary to make an informed decision. I respectfully request : A detailed explanation of the discrepancy between the Loan Estimate, Closing Disclosure, and current payment. A full escrow analysis identifying all changes in taxes and insurance. Documentation supporting any claimed administrative error. Confirmation that all disclosures complied with applicable federal lending laws and regulations. I am requesting that this matter be investigated and that NVR Mortgage provide a clear and complete response.

Company response to consumer: Closed with explanation