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whats up everyone brandon from docHub home loans and i want to talk a little bit about how to save your buyers money at the time of closing now its going to reduce their out-of-pocket costs making things a little bit easier if theyre a little tight on funds between their down payment and settlement costs now normally we can say this is done with a credit of some sort but theres actually another way to reduce those out-of-pocket expenses at the time of closing and thats with waiving your escrows now im not talking about the money thats deposited with the title company so not that escrow what im referencing are the property taxes and homeowners insurance that are collected by the lender at the time of closing to establish an escrow account where your borrower or buyer will continue putting taxes and insurance every single month as part of their mortgage payment but this doesnt have to be done most lenders require that a borrower put at least 20 percent down on a property to be a