on a conventional mortgage purchase at 85% LTV can the realtor give up their commission to the borrower towards the purchase of the property

Only if the Realtor was a close relative of the borrower, since it would be considered a gift.

NO

The Realtor can contribute to your closing costs, but she cannot give you funds to lower the principal balance unless she is related to you.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Yes, toward the closing costs. To contribute money toward the down payment is a lot more tricky, just as described in previous answers already submitted here. I would be happy to review and quote your purchase. We do not charge a fee for this. David Ortega - Satori Mortgage - 954-900-9788 - dortega@satorimortgage.com - www.SatoriMortgage.com

They cannot pay anything towards your down payment. However, they can pay towards your closing costs. The only exception would be if the agent was a relative and you followed through with all of the gift guidelines.