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Used BMW cars for sale near East Palo Alto, CA

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1,027 matches 30 miles from 94303
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Est. $400 /mo*
Down Payment
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Net trade-in value
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Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: Vegas Red Metallic
Int. color: Black
Drivetrain: Rear-wheel Drive
Fuel type: Electric
Transmission: Automatic
Engine: Electric
Stock #: 99SFU25146
VIN: WBY23HD04SFU25146

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Stevens Creek BMW review

I can confidently say that Stevens Creek BMW delivered

I can confidently say that Stevens Creek BMW delivered one of the best car-buying experiences I’ve ever had—and I’ve been through 10+ dealership transactions over the years. From start to finish, the team here went above and beyond, but a special shoutout goes to Uno Unenburen, one of the best sales associates I’ve ever worked with. Uno truly listened to my wants, needs and limits, and I never once felt pressured or upsold into something I didn’t want or need. His professionalism, attentiveness, and willingness to discuss what I needed made the entire process smooth and stress-free. I came in pre-approved for financing, but they even managed to secure a better rate than my credit union offered—a huge bonus! Earlier that day, I had a disappointing experience at a competitor dealership (A***), where I was essentially told to “pack sand.” From the start, the other dealership started playing the typical “games” to back you into a corner. I did my research though and wasn’t about to fall for it. It was the complete opposite at Stevens Creek BMW. The team here showed effort, care, and genuine interest in making a deal work, which speaks volumes about their customer-first approach. I’d give 6 stars if I could. Highly recommend BMW Stevens Creek, and especially Uno Unenburen, to anyone in the market for a car. This is how car buying should be! 5/5 stars!

2025 BMW i4 Gran Coupe eDrive40 review

I test-drove the Tesla Y and the BMW i4.

I test-drove the Tesla Y and the BMW i4. Both had great acceleration and many desirable features. However, the BMW felt more luxurious, higher in overall quality, and newer in design. I have been driving the BMW i4 eDrive 40 for about two weeks. Because I am new to EVs, it took me a while to learn the many features. The dealer process took several hours to explain things and I returned briefly several times to request further explanation on specific points. Owners should be conversant with cell phones and computers to use the features. I am still waiting for the QMerit Level Two Charger to be installed but regular 110 Volt house current has been adequate to recharge the car after a normal commute. The car is actually a hatchback, with the trunk being capable of lifting high. The rear seats fold down, so the trunk is quite voluminous. I didn't like the vertical grills at first but they are growing on me and I consider the car beautiful inside and out. It is a pleasure to drive. I am already wedded to electric cars and doubt I'll ever get another ICE car.

Vehicle information

Ext. color: Alpine White
Int. color: Black
Drivetrain: Rear-wheel Drive
Fuel type: Electric
Transmission: Automatic
Engine: Electric
Stock #: 99SFU10434
VIN: WBY23HD00SFU10434

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Stevens Creek BMW review

Among the best dealership, super nice customer service,

Among the best dealership, super nice customer service, Adriel was very patient and knowledgeable and explain all the features and answer my questions in details, the whole process is very smooth, and the manager Shadi was great and helpful in explaining everything. Donte was very patient in explaining the features and apps and necessary information in the car. Overall a very satisfying experience and definitely recommend to anyone and everyone!

Vehicle information

Ext. color: Skyscraper Grey Metallic
Int. color: Cognac
Drivetrain: Rear-wheel Drive
Fuel type: Electric
Transmission: Automatic
Engine: Electric
Stock #: 99SFU15482
VIN: WBY23HD03SFU15482

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Stevens Creek BMW review

I drove from Fresno due to Stevens Creek BMW's

I drove from Fresno due to Stevens Creek BMW's reputation. I had arranged my visit in advance. The car was waiting for me. I was very satisfied with the deal. My sales rep and the other staff members were very professional and made me feel comfortable. Thank You-

Vehicle information

Ext. color: Jet Black
Int. color: Black
Drivetrain: Rear-wheel Drive
Fuel type: Electric
Transmission: Automatic
Engine: Electric
Stock #: 99SFU25703
VIN: WBY23HD0XSFU25703

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Stevens Creek BMW review

The best experience ever?

The best experience ever?thank you Stevens creek bmw amazing team sales and finance department. I would go to them always and for the future

Vehicle information

Ext. color: Jet Black
Int. color: Oyster
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: 99S5159489
VIN: WBX73EF02S5159489

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

Stevens Creek BMW review

My experience with Shadi was great - he helped me

My experience with Shadi was great - he helped me finalize the deal for my BMW that I bought from this location.

2025 BMW X1 xDrive28i review

Drives smooth.

Drives smooth. Great with the electronics. The car is very high tech and up to date. I would definitely recommend this car !! Very spacious and has alot of leg room!

Vehicle information

Ext. color: Alpine White
Int. color: Black
Drivetrain: Rear-wheel Drive
Fuel type: Electric
Transmission: Automatic
Engine: Electric
Stock #: 99RFT30668
VIN: WBY73AW02RFT30668

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Vehicle information

Ext. color: Carbon Black Metallic
Int. color: Black
Drivetrain: All-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L I-6 gasoline direct injection, DOHC, variable valve control,
Stock #: Z45477
VIN: 5UX43EU00S9Z45477

Features

Convenience: Adaptive Cruise Control, Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Vehicle information

Ext. color: Jet Black
Int. color: Black
Drivetrain: Rear-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: AP1132
VIN: WBA5R1C59KAJ98872

Features

Entertainment: Bluetooth®
Exterior: Alloy Wheels
Safety: Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Stevens Creek Toyota review

Was impressed with their Service Department

They were very welcoming and asked what I was bringing the truck in for. They completed the service and had called and told the truck was ready. Service writer was very helpful and customer oriented.

2019 BMW 330 330i review

Great car

Best car I have owned so far. I have owned it since 2019 and have only had routine maintenance done and new tires just put on. This vehicle has not been expensive to maintain like many people say BMWs are. I 10/10 recommend.

Vehicle information

Ext. color: Glacier Silver Metallic
Int. color: Cognac
Drivetrain: All-wheel Drive
Fuel type: Hybrid
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo Hybrid
Stock #: AP1135
VIN: 5UXTS1C01M9E65463

Features

Convenience: Navigation System, Power Liftgate
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels, Roof Rack
Safety: Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Stevens Creek Toyota review

Service master

Service advisor Jaime Sanchez professionally help to solve problem with odometer reading record of my car. Helpful and efficient, really saving my time. Toyota customer Efim S.

2021 BMW X3 PHEV xDrive30e review

Like the E assist

Very comfortable and great handling car. The car is a great size for our needs and is very economical to drive. I also like the tax credit.

Vehicle information

Ext. color: Blue
Int. color: Giga Ivory White
Drivetrain: All-wheel Drive
Fuel type: Hybrid
Transmission: 6-Speed Automatic
Engine: 1.5L I3 12V GDI DOHC Turbo Hybrid
Stock #: SAP1017
VIN: WBY2Z2C56EVX64655

Features

Convenience: Navigation System
Entertainment: Bluetooth®, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Stevens Creek Toyota review

Great vehicle, great deal , great staff

John Mills made our car buying experience very easy and fun . Along with Trae , Mark and Perry we left with a great vehicle and a hassle free deal. They all are very nice and professional .

2014 BMW i8 Base review

True hybrid

This is an amazing car, I love the technology behind this car. It's xxxx fun to drive this car. The design outside is amazing, but inside is bit dull.

Vehicle information

Ext. color: Gray
Int. color: Tera Exclusive Dalbergia Brown
Drivetrain: All-wheel Drive
Fuel type: Hybrid
Transmission: 6-Speed Automatic
Engine: 1.5L I3 12V GDI DOHC Turbo Hybrid
Stock #: SAP1061
VIN: WBY2Z2C58GV675771

Features

Convenience: Navigation System
Entertainment: Bluetooth®, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Stevens Creek Toyota review

Updating my review on the service department.

Updating my review on the service department. I was contacted by Makan Ardalani who was amazing. They looked at my Rav4, inspected all of the brakes, ensured it was safe and even offered free detailing. Makan really made me feel heard regarding my concern with the brakes sound, and after the team re-looked at the brakes, I am no longer hearing any noises. I am hoping Makan gave feedback to the service dept regarding listening to folks' concerns, and I will definitely give this service department another try.

2016 BMW i8 Base review

This car brought me nothing but Joy, love this car every

This car brought me nothing but Joy, love this car every single moment. It's unique, one of a kind! never will be produced again so this has become a collector's item, super excited about what the future has to bring for this car! i8 Owners lets keep the legacy alive.

Vehicle information

Ext. color: Brooklyn Gray Metallic
Int. color: Fiona Red
Drivetrain: Rear-wheel Drive
MPG: 16-23
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.0L I6 24V GDI DOHC Twin Turbo
Stock #: SUC1001
VIN: WBS33AZ02PCM17103

Features

Convenience: Navigation System
Entertainment: Bluetooth®, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels
Safety: Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Stevens Creek Toyota review

I came home really happy after being able to get a

I came home really happy after being able to get a beautiful Honda odyssey. All this would not be possible if Tim where not there.He did everything so we can get our van at a good price, he was there bringing us snacks and water since the whole process took a while. I don't have words to express how grateful we are with him. Just ask or look for Tim to show you the car you want to buy, and you will not be regret of doing it. He is a great person and a very nice guy. I just say tku very much Tim, for helping us to do this posible. And I hope you get a lot of clients after this review. Hope to see you soon to get a service there or just to say hi to you.

Vehicle information

Ext. color: Alpine White
Int. color: Canberra Beige
Drivetrain: Rear-wheel Drive
MPG: 23-29
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: S5980
VIN: 5UX43DP08N9K23667

Features

Convenience: Heated Seats, Keyless Entry, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Stevens Creek Chrysler Jeep Dodge RAM review

Dodge Durango recent purchase

Nice atmosphere and very polite and knowledgeable sale consultant Richard. He helped me to choose nice car in terms of package and price.

2022 BMW X3 sDrive30i review

Great car love bmw very reliable never had any mechanical

Great car love bmw very reliable never had any mechanical problems great in the deep snow Excellent acceleration Handles and drives like a sport score

Vehicle information

Ext. color: Jet Black
Int. color: Black
Drivetrain: Rear-wheel Drive
MPG: 25-29
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: S5976
VIN: 5UXTY3C02M9H15027

Features

Convenience: Heated Seats, Keyless Entry, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Stevens Creek Chrysler Jeep Dodge RAM review

Great service and clean place

Nice sales men and very knowledgeable on the products they make sure you have all the information you need to make a decision on what will fit your needs the best

2021 BMW X3 sDrive30i review

The Perfect Ride

I love this car I bought it for my wife for her Birthday and she just loves it. The ride is great and all the extras it has it perfect

Vehicle information

Ext. color: Jet Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: S5978
VIN: WBXJG7C00M5U22995

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, DVD Player, HomeLink, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Stevens Creek Chrysler Jeep Dodge RAM review

Great sales service and professional

The experience of new rams trucks and Reza is the best! He showed me my opinions on rams trucks and have me test the rams... to me it's important for me to understand the rams engine and the feel... glad I have my real truck thx guys!

2021 BMW X1 sDrive28i review

Fabulous compact suv with lots of room, great mil

Most comfortable car I have ever driven. My 6th BMW. So easy to get into tight parking spaces. Brakes a bit tight- need to get used to!

Vehicle information

Ext. color: Space Gray Metallic
Int. color: Black
Drivetrain: Rear-wheel Drive
MPG: 18-25
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.0L I6 24V GDI DOHC Turbo
Stock #: S5968
VIN: 5UXKR2C52J0Z18091

Features

Convenience: Keyless Entry, Navigation System, Power Liftgate
Entertainment: Bluetooth®, CD Player, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Stevens Creek Chrysler Jeep Dodge RAM review

" very fast and easy"

It was my best experience, Very fast and easy. There was a sales lady she was really helpful.

2018 BMW X5 sDrive35i review

Before you buy any BMW older than 2018, check out the

Before you buy any BMW older than 2018, check out the Isley V BMW lawsuit. You will find the V8 in all pre 2018 BMW's to be problematic for oil leaks and valve stem failures due to defective engine design and excessive heat. I have this X5 with the V8 and it's a wonderful car to drive and look at. It's my 5th BMW and by far the most reliable. Unfortunately, even with all the meticulous care, my car has experienced the oil leak and smoking exhaust, just like all the N63 & N63TU engines through 2018 will experience this problem and the cost to repair exceeds $20K from the dealer. If you find one that had the valve stem seals replaced, I wouldn't hesitate to buy it, it's a great vehicle in many ways.

Vehicle information

Ext. color: Alpine White
Int. color: Canberra Beige
Drivetrain: Rear-wheel Drive
MPG: 23-29
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: S5979
VIN: 5UX43DP03N9K14732

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Stevens Creek Chrysler Jeep Dodge RAM review

I bought a 2015 Jeep Wrangler -David Hicks

I want to commend Saeed and the other staff who helped me purchase and stand behind the 2015 JEEP Wrangler I bought in September. They were accessible when I needed their help and on my side when I had a problem with getting repairs covered by a 3rd Party repairs warranty I purchased.

2022 BMW X3 sDrive30i review

its really a amazing when i sit on seat then i realize

its really a amazing when i sit on seat then i realize like a king so i will recomend to everyone which they want to live luxurious life or resemble like a king

Vehicle information

Ext. color: Arctic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 15-21
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 4.4L V8 32V GDI DOHC Twin Turbo
Stock #: S5853A
VIN: 5UXCX4C59KLS37500

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat, Third Row Seating

Reviews

2019 BMW X7 xDrive50i review

Love this amazing car

This BMW is the most luxurious car for a full sized SUV. BMW has really beaten the competition with the X7. The car drives so smooth but you don’t feel like it’s a very large suv. My wife was extremely impressed with how easy it was to drive! The whole car is so well made and I’ve loved having it. The infotainment system is beyond any car in its class. Great job BMW!

Vehicle information

Ext. color: Black Sapphire Metallic
Int. color: Black
Drivetrain: Rear-wheel Drive
Fuel type: Hybrid
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo Hybrid
Stock #: S6007
VIN: WBA13AG07NCK13926

Features

Convenience: Heated Steering Wheel, Keyless Entry, Navigation System
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Black Sapphire Metallic
Int. color: Black
Drivetrain: Rear-wheel Drive
Fuel type: Hybrid
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo Hybrid
Stock #: S6014
VIN: WBA13AG02MCH00002

Features

Convenience: Keyless Entry, Navigation System
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

2021 BMW 530e 530e review

Great Car

This is an excellent car. I was surprised by the acceleration of the electric motor when driving in the electric mode. The transition between the electric motor and the gasoline engine is seamless. This is a great car and it has exceeded my expectations. I ony have to go to the gas station about once a month. Over 60 percent of my driving is on the electric motor.

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

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