LTV certainly is one of the factors to your interest rate, but the difference between 20% and 25% should be nominal.

Amount, interest rate, amortizing years with or without a balloon payment, with or without a prepayment penalty, default conditions, and default interest rate, etc. and the title company makes the docs and does the recording for a nominal fee. 

I can see them charging some type of nominal fee since you're likely paid based on loans you bring them.

The dollar amount is nominal but it's still money.  

@James Wise  no mine are way down..

Normally the cost is nominal to me, and I feel that it is a nice gesture to waive the charge.

I presume he is going to be renting it out.I can tell the MLS folks to let me negotiate directly with said broker or negotiate on my behalf (for a nominal fee).If I choose to negotiate directly with the broker on this offer, is there any legal or other precedent that prevents us from suggesting in the negotiation that we let his "official" offer expire (he put a 48 hour clock on it) and we take the deal offline and accept it as is to eliminate the commission where we both are happy campers in the end?

They charge the tenant a nominal fee.

You can pay a Realtor a nominal fee to list it.

You might want to offer a nominal amount for the option, like $1,000.The trick is the condition of the building.