Paragraph 2k of the residential Purchase Contract addresses changes in financing. The buyer can make changes in the loan program, financing or lender (IF) the changes do not adversely affect the buyer’s ability to obtain loan approval, increase the seller’s closing costs or delay closing. In this case since closing is coming up next week, a change would likely delay closing so the buyer would first need permission to make the change which they can get via an addendum.  

If the change was not going to adversely affect the buyer’s ability to obtain loan approval, increase the seller’s closing costs or delay closing, then the buyer could simply notify the seller of the change via a disclosure notification form and attach an updated prequalification letter or LSU. 

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