How do I get cash back at closing, when purchasing a home?

Take a higher rate & get a credit back, or their are programs that allow this - 103% or 107% financing where you can include your costs & or pay off debts too. You need to specifically state you want this & see if you can get approved for those options. Keep in mind you may not becuase those are very high risk loans & the criteria is much stricter than ususal.

There are a couple ways to do this. You could look for a renovation type loan. I offer a loan secured by FHA called a 203K loan that would allow for this type of transaction. If you would like to know more, feel free to contact me at .com and we can discuss this further.