"Buyer-agent commissions are not financeable with a mortgage today due to practical and legal issues, specifically with loans backed by FHA, GSEs, and VA."
"Some advocates insist that financing buyer-agent commissions into mortgages will help buyers unable to pay upfront, but this necessitates complex changes to existing mortgage policies and laws."
"Including buyer-agent commissions in mortgages doesn't provide new benefits; buyers paying out of pocket would just leave them with less for their down payment and worse loan terms."
"It's essential to consider that advocating policy changes without understanding their ramifications may lead to misguided solutions that fail to address the underlying issues of housing affordability."
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