Some of the biggest ways to save on your home happen before you even own it.
“Closing costs are paid either by negotiating with the seller to contribute toward a buyer’s costs, or paid by the buyer out of pocket at closing. Additionally, the realtor can give a portion of their commission to be applied toward the buyer’s costs, the lender can give a credit to be applied toward the buyer’s costs or you can pursue a combination of these options,” said military spouse and loan officer at NBKC Bank Amy Stuhr Paterson. “If a buyer is looking to minimize cost out-of-pocket, they can discuss with their realtor and lender to see which of the options is best for him or her.”
There are other costs a buyer should try to negotiate, such as the seller’s attorney fee, transfer taxes, mansion taxes for purchases above $1 million, common charges and third-party services.
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