Jonathan is right- the purchase contract and any addendums regarding realtor commission should be clearly spelled out. Are you sure the commission is to the realtor and not the lender? Lender compensation would make more sense. The other common thing you may see is a broker compliance fee, which is usually a couple hundred dollars and not a 3% or 6% sales commission as is typical on a real estate transaction. Hope this helps. If not, then ask your loan officer to explain everything.
A Realtor can assist you. Also we have up to $15k in free money for first time homebuyers in Hillsborough County through the Bond program from the Hardest Hit Fund. Household income can be as high as $82,600.
All the best,
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