I had a VA client who was told by their lender that they did not have to pay closing costs. One of the things I do for all my clients is to explain the buying process and with a VA loan, I explain they may qualify for no money down but there are still closing costs. I asked my client to check with their lender what they would be and they were still left with the impression there were no closing costs.


We ended up finding a home rather quickly and now my client they had 10,000 in closing costs that were due. One of the things I pride myself on is my negotiation skills. In this situation to help them attain their toll brothers dream home, I was able to negotiate with the seller to pay half their closing costs and we would add 5k to the offer we had made. Through my efforts and the help from Jim Beckem their closing costs were covered and the home still appraised 2K higher than the price we settled on.



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