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[quote=Anonymous]Forgot to mention here's how else I gamed this: 2 points on a loan was technically "closing costs". I negotiated with the bank to give me 2 points off the mortgage at a slightly worse then market rate (ie no points = 4%, 2 points = 3.75%, I got 3.8%) - in return for 0 closing costs. I also negotiated with the real estate person because the company usually wants to charge the agent a fee for "brokering" the introduction - thus instead of (say 3%) as a buyers agent the buyers agent gets 1% and the company pays closing costs. I told my broker this so if he wanted to work with me he'd have to accept that rate - instead he offered me 1% of his commission and I negotiated with the company to pay closing costs anyway since I found the realtor. Bottom line is I got $12k out of the realtor and kept the closing costs too, [/quote]
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