I then promptly bought it and the agent got me a gift basket. 

She recognizes that we both have gifts for the other one.

“Gifts” from the seller, “concessions” and borrowed funds are not acceptable.  

This could affect the lender's tax situation.Furthermore, if the interest rate is below the IRS's Applicable Federal Rate (AFR), the difference could be considered a gift.

.’” — Robert Dietz, NAHB’s Chief EconomistFrom Kristen: Fingers crossed that the Fed will 'reverse course' in either March or April, and give us a 'gift' of lowered interest rates to help fuel the spring real estate market!

1) Personally I think the $12k is a gift.

I usually send someone on my team for the purpose of getting a testimonial and we give them a "thank you" gift.

We all have gifts that serve a purpose for the benefit of our communities, you do as well.As far as "having anything for the truly average American," yeah - they do.

Some parents here have gifted their properties to their adult kids - parent child transfers via inheritance or gift, you can inherit their property tax basis but you have to live in the house - this was from Proposition 19 passed in 2020 to undo some of the Prop 13 benefits.

I’m also going through a zero down program so adding a gift from a family member would un-qualify me from the program.