Although you cannot negotiate closing costs, you can shop a mortgage to pay less points (if any) and no application fees or hidden expenses.

Jade, I'm a resident of Amityville and a realtor w/Prudential Douglas Elliman, Long Island's #1 condo real estate firm. It's a great market right now for buyers such as yourself, so I hope you have someone that working for you. If not, call me at ASAP at 631.338-7392. Also, my office has a number of condos and co-ops that have recently entered the market and they're priced to sell. BTW: My services to you are at no charge. Gerry

No matter how you slice it, you eventually pay for all the required closing costs whether it is through sellers concessions (baked into the overall price of the condo) or lender concessions (baked into the interest rate and spread out over the life of the loan). If you are interested in exploring the latter, please let me know.

Remember everything is negotiable. Besides turn in an offer stating the seller pay part or all of the closing costs all they can say is no. Then renegotiate the price if they say no.