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4 articles tagged “seller concessions”
A home warranty isn't the same as homeowners insurance, and knowing the difference matters when you're buying with a VA loan in Tampa Bay. Sellers can pay for a home warranty as a VA seller concession — it costs them a few hundred dollars and gives you coverage on systems and appliances from day one. Here's when to ask, what to look for, and what Florida's climate means for the coverage that actually matters.
For decades, VA loan rules flatly prohibited veterans from paying their buyer's real estate agent. The NAR commission settlement ended that arrangement — and the VA responded with a policy change that reshaped how representation works for every veteran buying a home. This guide explains what changed, what Tampa Bay veterans can and can't pay, how to use seller concessions strategically, and what to negotiate before you sign a buyer representation agreement.
The VA's seller concession rules are among the most veteran-friendly in mortgage lending — sellers can pay closing costs, prepaid expenses, and even your VA funding fee. Here is exactly how to use that leverage in Tampa Bay's 2026 market.
VA loans have $0 down, but closing costs still exist. Here's a transparent breakdown of what you'll actually pay — and what you can avoid.
