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why would a lender reopen a done deal? once approved and you've signed, the terms are locked in - that's the whole point of their underwriting. some banks might let you adjust things like the repayment schedule or prepayment options before you actually draw the funds, but that's still pre-funding territory. after money hits your account, you're basically stuck with what you agreed to.
after you've signed, yeah, the terms are basically locked unless something unusual happens - like the lender made a mistake in the paperwork or rates dropped so dramatically that they'd refinance you to keep your business. but realistically, once you're past approval and into the funding stage, renegotiating is almost impossible because they've already priced in their risk and locked their costs. your best window is actually *before* you sign - that's when you can push back on rate, terms, or fees if you have leverage (better credit than initially stated, competing offers, larger down payment, etc). after signing, you're done negotiating unless you wait and refinance with someone else entirely.
What exactly happened between approval and signing - did you already close, or are you still in that window? The thing is, there's actually more room to negotiate than those answers suggest, but the timing matters hugely. If you haven't signed yet, you can still push back on terms, rates, or fees - lenders negotiate all the time before closing because they'd rather adjust than lose the deal. But once you've signed? Yeah, you're locked in unless there's an actual error in the paperwork or you want to refinance entirely (which is a separate loan). The key difference is whether you're still in pre-closing negotiations or already past that point.
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