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Closing Costs Are Expensive And Here Is How You Can Avoid Paying Them

 

When you purchase a home, you cannot finance the closing costs into the loan so many buyers are stuck paying them out of pocket. Closing costs can be rather expensive, typically 1-3% of the purchase price. The most common sources of closing costs are lender fees, title fees, property taxes and property insurance.

Home buyers can actually use grants and lender credits to cover these items to avoid paying them out of pocket. However most lenders do not offer these programs. You do NOT have to be a first-time home buyer to take advantage of these programs. Check your eligibility to see if you can avoid paying closing costs.

Check Your Eligibility

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Closing Cost Assistance

Closing cost assistance can be applied in the form of grants or lender credits on a home purchase. By taking advantage of these benefits, you can significantly reduce the cash needed to purchase a home. 

To receive the closing cost assistance, you will have to go through an approved lender for the mortgage such as HomePad Lending. HomePad Lending will be able to approve you for the mortgage loan and the closing cost assistance simultaneously.

To receive closing cost assistance you will need:

-620+ credit score

-3% down payment (can be gifted)

-qualifying income to show the ability to repay the mortgage

To get approved for closing cost assistance, you can check your eligibility.

Check Your Eligibility

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“Ryan, Rimington, and the team were a pleasure to work with. This was our first home, and after having such a bad experience with the preferred lender, a co worker referred us to them, and the process became so much easier. They were constantly checking in with us and giving us updates so we felt confident with the entire process, even when things got stressful toward the end. They were a constant advocate and fun to talk to and work with. I would recommend them to anyone :)”

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If you are on the fence about using Homepad Lending like I was initially i can tell you without hesitation you absolutely should! This was by far the easiest, quickest and less stress refi experience I have ever had from beginning to end!
Ryan was so helpful and answered all my questions quickly. Rimi was great and kept in touch every step of the way! Keep up the good work guys!

Mark P.

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“I just wrapped up my refinance with HomePad Lending. Ryan Harris and his brother Rimington, were outstanding. We had an initial issue with debt to income ratios but Ryan found another lender that was willing to work with us. I couldn’t be more happier. I ended up with an additional $375 per month in my pocket thanks to Ryan’s persistence. I highly recommend HomePad Lending for all your financing needs. Thank you Ryan and Rimington!!!!”

David L.

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“Rimington did a great job on processing our refinance. We got a great rate and closing costs were minimal. They closed the loan in less than thirty days and everything went smooth. I would use them again in the future!”

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