08/30/2026
A little homebuyer education—because I’ve heard this several times recently, and I want buyers to feel confident in the decisions they’re making.
If you’re offered a closing-cost credit for using a particular lender, brokerage, or real estate agent, don’t be afraid to ask questions before committing.
Is the credit tied to a specific program?
Is participation optional?
Could another lender or agent help you receive similar—or even greater—savings?
How do the interest rate, lender fees, closing costs, and loan terms compare?
A $2,000 credit may sound like an amazing deal upfront, but it doesn’t automatically mean it is the best overall deal for you. It’s a little like buying something at the dollar store for $1.25 and later finding the same item somewhere else for 69 cents. The advertised “deal” isn’t always the greatest value once you compare everything.
In many of the transactions I’m seeing in our current market, buyers—especially first-time buyers—may also be able to negotiate for the seller to contribute toward their closing costs. Every home, loan, and transaction is different, so nothing is guaranteed, but it is absolutely worth exploring all your options.
Your lender and real estate agent are two of the most important people you will choose during your home purchase. You should feel comfortable asking questions, comparing options, and choosing professionals you trust—not simply making a decision because one incentive sounds good.
Real estate is competitive, and many hardworking local agents and lenders depend on the support and referrals of their friends, family, and community. Before assuming someone you already know and trust cannot offer the same value, have a conversation with them. They may be able to provide a comparable—or better—overall experience and outcome.
My goal isn’t to tell anyone whom to work with. It’s simply to remind buyers: ask questions, compare the entire package, and make the choice that is truly best for you.
