Jump to main content

# Why are the options for Section different in the application phase and at closing phase?

In the application phase, Section includes Services Borrower Can Shop For and Services Borrower Cannot Shop For while Section includes Services Borrower Did Shop For and Services Borrower Did Not Shop in the closing phase.

The Loan Estimate groups fees based on whether the lender permitted the borrower to shop. On the Closing Disclosure, fees are disclosed based on whether the borrower actually did or did not shop for a service. For example, fees for which the borrower could, but did not, shop for are disclosed as Services Borrower Did Not Shop For.