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# Why do I need to select Variance Type at closing for a fee that was identified as Services Borrower Can Shop For at application?

You need to select Variance Type at Closing for a fee that was identified as Services Borrower Can Shop For at Application because variance restrictions may change, depending on the circumstances. Which variance restrictions apply will depend on whether the borrower decided to use a provider that is the lender’s affiliate, or chose a provider that is not an affiliate of the lender, but is lender-identified.