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If you bring in your own buyer, get another agent in your office to go down as the "buyer's agent", you should still be able to get them to pay 5-6%
BofA will still pay for: Escrow/Title fees (however they're game to what is standard in your state and what isn't, so if your escrow/title co. is padding fees, you may get a counter offer from BofA)
Bofa will still pay for: HoA transfer fee, recording, wire, county/city transfer tax, termite repairs, termite inspec, natural hazard report. In California I've had them come back to state "we don't pay attorney fees or delinquent HOA dues"
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