COLUMBIA -- A delayed plan to lower fees on veterans' home loans may bring higher-than-expected costs and loan-closing delays, although the Department of Veterans Affairs declined to provide details on the change Friday.

The problem involves a Sept. 8 notice from the VA loan operations that said rates would be lower beginning today. But Congress delayed that lower rate until November in a bill awaiting President Barack Obama's signature.

Lenders, who didn't know about the change, made loan deals based on the lower rate, said Scott Thigpen, who runs The Citizens Bank in South Carolina's mortgage operations.

The Veterans Benefit Administration's Loan Guaranty Service said Friday the Sept. 8 memo was subject to legislative changes. The memo said the agency would immediately publish a notice if that happened, but there was no notice Friday night on its website.