Insider Secret #11

How To Get the Lender to Pay Thousands of Dollars of Your Closing cost on any Fairfax VA Home For Sale

Why is it that some lenders advertise ‘NO Closing Costs Save Thousands!’ on mortgages and others do not do it? Is there a catch with strings attached? How do I compare these different lender programs to each other to determine which is the best deal?! It’s confusing!

Maybe only 1 in a 100 home buyers understands how this mortgage finance trick works. So as with most of my analysis I’m going to simplify this down to a few simple paragraphs so you will forever be empowered to figure out how to avoid getting ripped off by understanding how to compare different interest rate and closing cost quotes from different lenders.

The biggest ‘Hook’ that most homebuyers get caught on is the famous ‘No closing costs, Save Thousands on your mortgage’ ad that runs on the radio, TV and in newspapers. But only 1 in 10 lenders actually seem to have a program like this, while all other lenders all charge a buyer closing costs. What gives?

Using a common example, Lender A is offering an interest rate on a 30 year fixed rate mortgage of 6% with no closing costs, and lender B is offering an interest rate on a 30 year fixed rate mortgage of 5.5% with $8000 in closing costs for any homebuyer. What’s the difference? Nothing. They are both the same. The reason is because Lender A simply raised the market rate by ½% to get extra cash form you in the form of higher monthly payments so they could afford to pay the closing costs up front on your behalf, while Lender B did not offer this type finance manipulation.

The truth is that any homebuyer can do this same type of adjustment to their interest rate and closing costs with any lender by simply telling their loan officer that they want to raise the interest rate high enough so that they do not have to come up with the thousands of dollars in closing costs that are required when buying a home. You don’t have to use just the lender that offers this type of program, since all lenders can do the same type of finance manipulation.

Now that you understand this aspect of the game, all you have to do is ask each lender that you are comparing rates, to give you interest rate quotes based on no closing costs or based on full closing costs, you can even do it on paying half of the closing costs. This way you will be able to compare apples to apples and get a better picture of which lender is offering you the best overall interest rate and mortgage on your next home purchase.

You can find out more about how we are currently using Insider Strategies learned from my Real Estate Radio show to save homebuyers tens thousands of dollars on their home purchase and financing everyday right here in Northern Virginia, just check out my free Live online webinar, at www., that’s

You can also get all of these insider techniques applied to your personal home purchase with our Free ‘Insiders Access Homebuyer Savings Program’ and get a minimum guaranteed savings of $25,000 or more. And the best part is we guarantee you save at least $25,000 or more with my exclusive strategies, plus the service is no cost to you. Go to and find out why even other realtors and mortgage lenders actually use me as their buyer broker on their own personal home buying transactions, instead of relying on themselves, that’s

Find the Best Deals and Save $25,000-$50,000 on Your Northern Virginia Home Purchase. Get My FREE Homebuyer Savings CD to find out How to use the “Insider Techniques” to get Huge Home Purchase Savings.

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Your ‘Insider’ Real Estate Advisor,
Thierry Roche

Thierry Roche SFR, CDPE
Host of Talk Radio’s,
‘Inside Real Estate’

Re/Max Premier

P.S. If you would like more detail on the types of ‘Insider’ strategies that would work best for your personal home buying needs, then call my office for a FREE, over-the-phone consultation with me.

Then, you’ll learn how I can represent you at no additional cost whatsoever!

Call 703-222-6714. You can also e-mail me.