As a newer realtor and loan officer myself I think you are better off approaching a salesperson and asking if they would be offended if he or she would rebate 1% or more of the home purchase price back to you as a credit to your recurring and non recurring closing costs. You never know. Redfin rebates 0.8% of home price. You may even get a better deal if you find someone who can also originate your loan and extend even more credit to you with a better rate. Like everything in life everything is negotiable