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3% closing costs can be awarded through a variance with HUD. Variances can take a week or two depending on how backed up HUD is. Many times one can reach out to HUD directly and have variances approved very quickly. This may be done via email if you have the contacts or you may need to open up a case with HUD. When the variance returns the file will continue with the PFS Program review. If you are towards the end of review hopefully they can submit the file for approval when it return.
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