Side by side
| Lender-Paid Compensation | Borrower-Paid Compensation | |
|---|---|---|
| Who pays the broker | Lender (built into rate) | You, at closing |
| Cash at closing | Lower | Higher |
| Rate | Slightly higher | Lower |
| Best for | Short holds, cash-tight buyers | Long holds |
Figures are typical market ranges as of October 2026. Actual terms depend on the lender, your credit, the property and the program, and are confirmed on your Loan Estimate or term sheet.
Explore each option
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