Jim and kim scott have been working very hard to rebuild their credit. they are now in good financial shape to buy their first home. the couple has been working with a mortgage broker, ted, to assist them in finding the best loan. they complete the application, are approved for a loan, complete other paperwork, and are now obligated to complete the loan. a week before they are due to close, they receive the mortgage disclosure statement, outlining all of the costs and terms associated with the loan. the costs and terms are not what they had previously understood. are they stuck with this loan?