The bank changed our LTV???

[Zak Parks]

Hey BP. Gotta quick question. We've had a house under contract for about a month and a half. A month ago we signed our intent to proceed forms and loan estimate with 80% LTV. Closing was supposed to be a few days ago. Today, we received approval forms to sign quoting us with a 75% LTV. Needless to say, we would've gone with a different lender and not wasted the last 45 days if they had said 75% from the start. I was under the impression that the TILA/RESPA rules disallowed this number to change after we signed the loan estimate. Can anyone confirm this or am I SOL???