Can I roll closing costs into my mortgage?

Rolling closing costs into a mortgage is possible on some loan programs through a higher interest rate in exchange for lender credits that offset those costs, though this differs from financing costs directly into the loan amount, which most conventional loans do not allow. Seller concessions are a more common way buyers cover closing costs without raising their rate. Joel Boss can connect a buyer with a lender to compare which option actually saves more over the life of the loan.