Who pays for closing costs and the down payment? Spoiler: it doesn’t always have to be you! 😅 Between seller concessions, lender credits, gift funds, and down payment assistance programs—you’ve got options! Buying a home becomes way more realistic when you know how to structure your financing the smart way 🏡💡 👉 DM us if you want to explore what’s available in your situation.

Did you know your lender may be able to help cover some of your closing costs? Lender credits are when the lender gives you a credit at closing in exchange for a slightly higher interest rate. This can lower the amount of cash you need upfront and make buying a home more affordable—especially if you’re short on funds or planning to refinance later. Lender credits can help pay for things like lender fees, title fees, appraisal costs, and more. The key is knowing when they make sense and when they