Get yourself a good commercial mortgage broker. He will do the best job and give you the best rates. It is already in loan commitment form by the time it gets to Zand & Fine LLC. A good broker is someone with a wide network who has integrity and is loyal. They should come back to you with competitive rates and reasonable lenders. The buyer is responsible for added costs and fees. So be sure to use a good mortgage broker who will negotiate to get you good, reasonable rates.