When a mortgage transaction is in the Application Phase, under Fee Details, there is an option to Include on Change in Circumstance. If selected, a description can be provided to why the fee has changed after the Loan Estimate has been already provided. Mortgage Insurance fee, created by PMI, can also be included on change of circumstance.
If at least one fee is selected to be included on Change of Circumstance, it will create the Good Faith Estimate Changed Circumstances document. You can choose to provide a change of circumstance without changing any fees. A document can be selected in Document Options, under Transaction Data collection, by selecting the If true there is a change of circumstances from the original Good Faith Estimate (GFE) disclosure option.