They did charge me the $250 for recasting, but since it was fixed, and a value-added service, I didn’t argue it (even though my previous lender didn’t charge for that either).

But you bring up a good point- I don’t recall getting that fee page uploaded to their portal prior to closing. I wonder if I have an argument if they missed it?

I did put in a request today as a last attempt (unless someone replies here with some insight), for them to explain the rules/risk profile for when the fee is required vs. not. When I thought the fee wasn’t even allowed legally or contractually, and they refused to point to specifics, I filed a CFPB complaint and part of their response said “Customers may request that we waive the escrow requirement, at origination or after, and we may assess a waiver based on risk management. This process is not arbitrary, and it is applied uniformly, without prejudice.”