My closing date was last week and lender had everything finalized and provided closing disclosure. Seller needed extra time to make repairs so we pushed back closing one week. Nothing has changed with my income or anything in that one week but lender asked me for paystub in that week. Resulted in them saying they need to “restructure” the loan. Got my new closing disclosure and it has a slightly lower interest rate with a 1% higher down payment. Can anyone explain why this would happen? My loan officer isn’t sure and is looking into it.