A seller credit is money the seller contributes toward your closing costs at close of escrow. Buyers sometimes use credits to reduce out-of-pocket expenses, buy down the interest rate, or make financing more manageable. In a shifting market, a credit can also be a negotiation tool when the seller prefers adjusting terms over reducing the list price. Credits must be structured correctly to comply with loan guidelines, so I make sure everything aligns with your lender’s requirements.
