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“Seller will not help with closing costs”
If you're searching for 'Seller will not help with closing costs', you're probably feeling frustrated and worried about how to make your home purchase work. You're not alone — many homebuyers face this exact challenge. In fact, closing costs can be a significant burden, often ranging from 2% to 5% of the purchase price. Here's what most people don't know: there are alternative paths to homeownership that don't rely on seller concessions. At National Mortgage Home Loans (NMHL), we've helped countless borrowers navigate these very situations, and we're here to help you too.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1The seller is already offering a competitive price, leaving little room for additional concessionsSolution exists
- 2The market is tight, and the seller has multiple offers to choose fromSolution exists
- 3The seller is unwilling to budge on closing costs due to their own financial constraintsSolution exists
- 4The buyer is purchasing a home that's been on the market for a while, and the seller is getting anxious to close the dealSolution exists
- 5The seller is using the 'as-is' clause to limit negotiationsSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Understanding Your Frustration
When the seller won't help with closing costs, it can feel like a significant setback. You're not alone in this struggle. Many homebuyers face similar challenges, and there are real solutions available. At NMHL, we understand that every financial situation is unique, and we're committed to helping you find a way forward.
Let's explore some of the common reasons sellers might be unwilling to contribute to closing costs and what you can do about it.
You're not alone in this struggle. Many homebuyers face similar challenges.
Exploring Alternative Paths to Homeownership
When traditional routes to homeownership are blocked, it's time to explore alternative options. NMHL offers a range of non-traditional loan products, including FHA loans, bank statement programs, and ITIN loans, designed to help borrowers who don't fit the traditional mold.
- Bank statement programs can help self-employed borrowers qualify using their business income.
- ITIN loans provide an option for borrowers who don't have a Social Security number.
- FHA loans offer more lenient credit score requirements and lower down payment options.
There are more options available than you might think.
The NMHL Difference
At NMHL, we're committed to helping underserved borrowers achieve their homeownership goals. Our team of experienced loan officers specializes in navigating complex financial situations, and we're here to help you too.
With NMHL, you'll get personalized service, flexible loan options, and a deep understanding of the challenges you're facing. We're not just a lender — we're your partner in achieving homeownership.
Personalized service and flexible loan options are just the beginning.
Next Steps: Getting Started with NMHL
Ready to explore your options with NMHL? The first step is to speak with one of our experienced loan officers. They'll listen to your situation, answer your questions, and outline the next steps to achieving your homeownership goals.
Don't let the seller's unwillingness to contribute to closing costs hold you back. Let's talk about how NMHL can help you move forward.
Your path to homeownership starts here.
Your Options Right Now
NMHL Pre-Approval with Alternative Income Verification
Get pre-approved with NMHL using our flexible income verification options, such as bank statement or asset depletion programs. This can help you move forward with your home purchase even when traditional income documentation is a challenge.
Act quicklyDown Payment Assistance Programs
Explore NMHL's down payment assistance programs, which can help reduce the upfront costs of your home purchase. These programs can be a game-changer when seller concessions aren't an option.
Act quicklyCustomized Mortgage Solutions
Work with an NMHL loan officer to create a customized mortgage solution that fits your unique financial situation. We offer a range of non-QM loan products that can help when traditional financing isn't available.
Act quicklyTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Want to talk through your options with someone who's helped hundreds of people in your exact situation? We're here — no judgment, no pressure. Let's explore how NMHL can help you achieve your homeownership goals.
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Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
NMHL offers alternative income verification options, such as bank statement programs or asset depletion calculations, to help self-employed borrowers qualify for a mortgage. We'll work with you to find the best solution for your situation. Start by speaking with one of our loan officers today.
While a low credit score can make it more challenging to qualify for a mortgage, it's not impossible. NMHL offers non-QM loan products that consider more than just your credit score. We'll help you explore your options and find a path forward.
NMHL offers various down payment assistance programs, and eligibility varies depending on your location, income, and other factors. Our loan officers can help you determine which programs you might be eligible for and guide you through the application process.
NMHL's pre-approval process is designed to be more flexible and accommodating than traditional lenders. We consider a range of factors beyond just your credit score and income, so you may find you're able to qualify for more than you thought. Let's discuss your options today.
The pre-approval process with NMHL is typically fast and straightforward. In many cases, we can provide a pre-approval decision within 24-48 hours. Our loan officers will guide you through the process and keep you informed every step of the way.
Want to talk through your options with someone who's helped hundreds of people in your exact situation? We're here — no judgment, no pressure. Let's explore how NMHL can help you achieve your homeownership goals.
We will reach out at a time that works for you. No pressure, no obligation.