Lender increased Mortgage Insurance premium on initial CD

[John Salgado]

I am in process of closing on my first MF house and recently received the initial closing disclosure.  I noticed that the lender increased my mortgage insurance (MI) premium to almost double the original amount.  It is my understanding that this can not change unless there is a change of circumstance - which there hasn't been any.  I requested the lender to explain it and stated that they are not sure why it was quoted at the lower rate but the actual amount is the increased rate.  The lower mortgage insurance premium is one of the main reasons we chose this lender.  Can they just change the amount as they see fit?  Is this out of compliance?

The lender also increased the appraisal fee.  (there was a previous change of circumstance which added a 2nd inspection line item due to some repairs - this revised LE had the appraisal fee unchanged. It is now increased on the closing disclosure - which I believe is too late for them to add a higher fee).

Any thoughts are appreciated.