First Time Buyer Naperville

🏡🎉 Hey Melanie and Laura, what a way to close out the workday—with some brand-new homeowners! 🎉🏡

A huge congratulations to Thomas & Katie on the purchase of your new home! We wish you an abundance of happiness, success, and wonderful memories in this exciting new chapter of your lives. 🔑🏠

Thank you for the opportunity to assist you with this transaction. It was truly a pleasure helping you achieve your homeownership goals. We look forward to working with you again in the future and hope you'll continue to look to us as your trusted mortgage advisor.

Please don't hesitate to reach out if you ever have questions about your mortgage or financial services of any kind. If we can't provide the answer, we have an outstanding team of professionals ready to help.

And if you know any friends, family members, coworkers, or neighbors who are thinking about buying, building, refinancing, or simply have questions about the mortgage process, we would truly appreciate you passing our name along.

A very special thank you to Shannon for your trust and support throughout the process. Your confidence and referrals mean so much!

Thinking about buying a home? You could be next! 🏡

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630-881-8655

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🏡💰 SHOULD YOU PAY A BUYER'S CLOSING COSTS? WHAT TODAY'S SELLERS NEED TO KNOW 💰🏡

A few years ago, sellers could call most of the shots.

Today's market? Not so much.

As inventory continues to grow, negotiations are becoming a normal part of the home-selling process again.

One of the most common requests sellers are seeing today:

👉 "Will you help with my closing costs?"

Before you immediately say "no," here's what you should know.

📊 What Are Closing Costs?

In addition to a down payment, buyers typically pay for:

✔️ Loan fees
✔️ Appraisals
✔️ Inspections
✔️ Title fees
✔️ Attorney fees
✔️ Surveys and other transaction costs

For a $400,000 home, that can easily add up to:

💰 $8,000 - $20,000+

For many buyers, coming up with that extra cash is often harder than qualifying for the monthly payment.

📈 More Sellers Are Offering Concessions

According to Zillow, 67% of sellers helped pay some or all of a buyer's closing costs in 2025.

That doesn't mean every seller should.

But it does mean flexibility is becoming more common.

🤔 When Might It Make Sense?

You may want to consider helping with closing costs if:

🏠 There are a lot of homes competing with yours
📆 Your home has been sitting longer than expected
👀 You're getting showings but no offers
⚡ You need to move quickly
🤝 It helps keep a deal together

Sometimes giving up a few thousand dollars helps you avoid carrying costs, additional mortgage payments, taxes, insurance, and weeks or months of waiting.

💡 Remember: Negotiation Isn't About Winning Every Dollar

It's about reaching your goals.

Sometimes the best deal isn't the highest offer...

It's the offer that actually closes.

🔄 Other Options Instead of Paying Closing Costs

If you'd rather not contribute toward closing costs, you might consider:

✔️ Home warranty
✔️ Repair credits
✔️ Flexible closing dates
✔️ Leaving appliances behind
✔️ Including furniture or other personal property

🔑 BOTTOM LINE

The most successful sellers in today's market understand one thing:

👉 Flexibility can be a powerful tool.

Every market is different, every home is different, and every negotiation is different.

Knowing when to stand firm and when to compromise can make all the difference.

Thinking about selling and wondering what buyers are asking for in today's market?

📲 | 630-881-8655