Can a loan be modified after disbursement has been made?

Would need many more details to give you an accurate answer

Does your loan application match the disbursements on the HUD1?

Typically No.. if there were errors, the time to address them was before you signed all the loan doc's.. Part of the closing agents job is to go over the HUD-1 or Closing Estimate line for line showing you exactly how your amount was calculated as well as what is being paid off from the loan proceeds. As far as the amounts being different, typically the closing agent's job is to get payoff's from your creditors, but these payoffs are obtained 1 to 2 weeks before loan doc's are actually produced. If some of the payoffs were to go to credit cards, but you continued to use the credit cards after the closing agent obtained the payoffs, then that would be out of their control. You can contact your closing agent and request a "sit down" and go over the HUD-1/Closing Estimate and see if you can figure out where the discrepancies were, but unless you can prove someone committed loan fraud, i'm pretty sure your going to be stuck with your loan. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

William has a good idea, however since we are not licensed in Pennsylvania we could not have done your loan either. Being from Pennsylvania myself I am aware that there could be up to three separate contractors that worked on your loan to close it..the title insurer, the closer and the processors may not be located in one company. So best thing is to go back to the actual party that conducted the closing for you and see how many separate parties were involved in that aspect. Hopefully you will have been lucky and it may be only one or two, but I have seen as many as three. There is a place to start. Then you can begin to evaluate any discrepancies. But first find out who did what.