Question: Jenna and Todd Alder are closing on their home. Their Good Faith Estimate (GFE) disclosure put their closing costs at $4,200. When they arrive for their closing, the escrow agent explains that their closing costs will be $5,800. To determine whether there is a Real Estate Settlement Procedures Act (RESPA) violation of the Good Faith Estimate (GFE), what will you need to know? Question options: a) Whether Jenna and Todd have a Federal Housing Administration (FHA) or conventional loan because the Real Estate Settlement Procedures Act (RESPA) Good Faith Estimate (GFE) does not apply to conventional loans b) Whether Jenna and Todd chose their own loan originator c) Whether they are using cash for the closing fees d) The amount of their down payment