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Used sedans for sale near Grimes, IA under $599,963

Filters 3 Year Price & payment Make Mileage Body style Ext. color All filters
772 matches 30 miles from 50111
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
$0
Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: Red
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 31-40
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: R37404
VIN: KMHLMDG1RU737404

Features

Convenience: Keyless Start, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

Sam's Riverside Inc. review

Very happy

We bought a hail damaged car that is hard to see the damage and our daughter has been very happy with her new car.

2024 Hyundai ELANTRA SEL review

Elantra 2024 hybrid is a stylish, powerful, great on gas,

Elantra 2024 hybrid is a stylish, powerful, great on gas, and nice to drive on highway or around town. Seems durable so far, no issues.

Vehicle information

Ext. color: Brilliant Silver Metallic
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.5L I4 16V GDI DOHC
Stock #: M11574L
VIN: 1N4BL4BV5LC211574

Features

Convenience: Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Tom's Auto Sales review

Worked with Andrew Fisher, excellent experience!

Worked with Andrew Fisher, excellent experience! Highly recommend! The whole staff was amazing and kind!

2020 Nissan Altima 2.5 S review

I love my low mileage CPO 2020 Altima SV fully loaded

I love my low mileage CPO 2020 Altima SV fully loaded well maintained car with only 23K miles. Car gets excellent gas mileage and nice pick up. Beautiful beige protected seat and stony blue metallic with paint protection. Take care of your vehicle and your vehicle will take care of you. Replace CVT fluid every 30K and regular tire or oil changes you will be fine. I’ve had two other Nissans with CVTS with no issues.

Vehicle information

Ext. color: Red
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 24-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Ecotec 1.8L I-4 DOHC, variable valve control, regular unleaded,
Stock #: 164635
VIN: 1G1JC5SH6G4164635

Features

Convenience: Keyless Entry, Navigation System, Remote Start
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Moss Motors review

Great Guys to work with

We have now purchased two cars from Moss Motors. One for each of my daughters. The one car over 5 years ago and another just last weekend. I have nothing but good things to say about these guys. They are not hard sell and they work with you in anyway that they can. You will NOT be buying a new or certified car. What you will get is a nice newer car probably with a lot of miles on it but still in good shape. I WILL be bringing my business back to them in the future

2016 Chevrolet Sonic LT review

Nice and compact creates a lot of space for garage

The car met all my needs and will defiantly get me from point A to point B safely, very reliable. I will defiantly and am having a lot of fun with this vehicle.

Vehicle information

Ext. color: Black
Int. color: Camel
Drivetrain: Front-wheel Drive
MPG: 18-26
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 3.0L V6 24V MPFI DOHC
Stock #: M24414L
VIN: 3MEHM08128R624414

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, Satellite Radio
Exterior: Alloy Wheels
Seating: Leather Seats

Reviews

Tom's Auto Sales review

Great group of guys.

Great group of guys. They stand by the product and really help you get what the vehicle that you want.

2008 Mercury Milan V6 Premier review

200k, 10 years old and still good to go

The only issues I have had with is vehicle are the interior door handles and a front wheel bearing. The bearing starting showing its age around 180k. I haven't changed the plugs, but the car still runs fine. Mechanically speaking, the car is worth the money, has not let me down yet. But I do keep the fluids changed the regular. I only abused it once, it does reach 120mph, but I do not reccomend this, it's not a sports car. Comfort wise, the seat padding goes soft after about 70k. No big deal.

Vehicle information

Ext. color: Gray
Drivetrain: All-wheel Drive
MPG: 15-23
Fuel type: Gasoline
Transmission: 5-Speed Automatic
Engine: 5.7L V8 16V MPFI OHV
Stock #: L24223D
VIN: 2C3CDXKT5LH124223

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Bluetooth®, USB Port
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Kars Inc Des Moines review

Dealing with kars inc

Very happy with the deal the did what they said they would do very easy to deal with on my end of the deal Happy

2020 Dodge Charger Police review

I had an excellent experience buying from Bilal, he

I had an excellent experience buying from Bilal, he helped me out a lot, I'd buy my cars from him, I recommend coming to him. Thank you very much!

Vehicle information

Ext. color: Aurora Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-37
Fuel type: Gasoline
Transmission: Automatic
Engine: Gamma 1.6L I-4 gasoline direct injection, DOHC, D-CVVT variable
Stock #: 0500540
VIN: 3KPA24AB7JE050540

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Moss Motors review

ElBuyer comments

Very helpful personnel. Dealership a little difficult to get in to and parking was limited. Good selection of vehicles in the price range I was interested in.

2018 Kia Rio S review

Perfect size for family

Brittany was awesome at selling me my vehicle & the Vehicle is an nice size for me & baby , it’s so comfortable and cozy while driving just don’t like that I have to roll the window down by hand

Vehicle information

Ext. color: Deep Sea Blue
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 29-38
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: 049112
VIN: 3KPFL4A72HE049112

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Moss Motors review

Was looking for a used car.

I sent a request for availability of one of their cars via cars.com. I did receive a prompt email reply. However, I didn't proceed any further.

2017 Kia Forte LX review

I have owned a Kia Forte for 7 years now.

I have owned a Kia Forte for 7 years now. My husband and I love it! We do regular oil changes and maintenance, and keep the car in the garage. At almost 60,000 miles it needed new tires and brakes, but that's not a big surprise. We LOVE the performance of this car -- the turbo function makes it fun to drive and great for passing. It's compact enough that we can park anywhere. And the hatchback is surprisingly large! We ended up selling our Toyota Camry and keeping our Kia because the Kia is a workhorse that hauled furniture and boxes for my husband's business. Way more room than the Camry when we needed to haul things or take our electric bikes on an adventure.

Vehicle information

Ext. color: Attitude Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 25-35
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.5L I4 16V MPFI DOHC
Stock #: N85650L
VIN: 4T4BF1FK5FR485650

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

2015 Toyota Camry LE review

I've only owned this car since January 31, 2025.

I've only owned this car since January 31, 2025. Bought it used from a small dealer in Tennessee with 136,652 miles on it. I bought it because I moved to Tennessee and will be starting a new job soon, so I needed a reliable car to get to/from work. I've always had Hondas; this is my first Toyota, and has not let me down so far. It's comfortable, fun to drive, starts right up every time and you can shift the transmission manually for more fun. All I've had to do to it so far is oil change and replace tie rod ends. I always look forward to driving it. I love the styling of the SE trim, it has the 4 cylinder engine. Only thing I'm going to need to do to it soon is tires. I gave it 4 stars for performance cause the 6 speed transmission seems to lag a bit unless you use manual shift mode and it seems to want to shift into 6th gear too soon. Other than that, I love this car!

Vehicle information

Ext. color: Vista Blue Metallic
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 24-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Duratec 2L I-4 DOHC, regular unleaded, engine with 140HP
Stock #: 14277
VIN: 1FAHP36N69W263239

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, Satellite Radio
Exterior: Alloy Wheels

Reviews

Car City Merle Hay LLC review

Great customer service.

After shopping at few dealers, this was our first and last stop. we were approached by Mohammad Ali and transaction was very smooth from beginning to end. It was a great experience shopping at CAR CITY for the service we received. I will recommend this place and Mr. Ali to any one!!

2009 Ford Focus SES review

2009 Ford Focus

This is the second 2009 Ford focus SE that I’ve owned. The first one had 147,000 miles on it with nothing needed but regular items. Tires, battery, regular oil changes at 5000 mile intervals and never used any oil between changes. If I kept my foot out of it, I got 38 to 41 miles mpg, if I pushed it I still got 35 at 80 mph. This one has 79,000 miles on it and I have not done anything but tires. It’s nearly as clean as off the showroom floor, as I keep my cars clean. I am very happy with this car. Depreciation is so low now, insurance is low, no payments with interest, make this an exceptionally cheap car to own. Reability has been second to none for me. Highly recommended but very hard to find a nice one with a regular maintenance performed and no rust. You can’t go wrong with the value of this car, great commuter car or for a new teenage driver. It’s rated safe. It’s also very comfortable to drive for a whole day.

Vehicle information

Ext. color: Alabaster Silver Metallic
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 30-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.8L I4 16V MPFI SOHC
Stock #: M68711L
VIN: 19XFB2F54FE068711

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Tom's Auto Sales review

My Dad has bought 4 cars from Toms before he over he

My Dad has bought 4 cars from Toms before he over he passed away. I myself have bought at least 2 as far as I am concerned Toms auto is the only place to go for a Used car! So, as you can see, we have never been disappointed. This car I bought 3 days ago is the best yet! I had a saleperson that was great! Tom Phan thank you for all your help I sure do appreciate all your help and kindness!

2015 Honda Civic LX review

It's a small but not tiny.

It's a small but not tiny. It sort of roomier in the front but tighter in the rear seats. My model is the 2 doors coupe ex, with stick shift, it came well equipped with all the bells and whistles. Is good on gas and fun to drive. It's not incredible peppy but is fast and strong, and there's a lot of ways you can customize it with. Hondas have always been known for reliability, and this car won't disappoint you, it has 140k miles on it and stills runs like it was new. I got a really good deal from the dealer I bought it from, and they're pretty good overall. I would definitely buy from this place again!

Vehicle information

Ext. color: Super Black
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 29-37
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 284610
VIN: 3N1AB7AP1JY284610

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Bluetooth®, CD Player, Premium Sound System, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Moss Motors review

Very knowledgeable and fair

Very knowledgeable and fair. I went to about 10 different places to drive cars and I could tell they knew more about the cars they were selling than anyone else I talked to. They will be my first stop any time I shop for a car in the future.

2018 Nissan Sentra SV review

Still have one with 193,000 miles .

Still have one with 193,000 miles . Cha ge your trans fluid and keep that baby running . No major issues just usual wear and tear from my experience if I didnt need to drive as much I would still use it to commute tonwork and back and errands with no issues but any car with so many miles should start thinking of retirement and take jt easy fir the rest of its life 😊

Vehicle information

Ext. color: Bright Silver
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 25-36
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, D-CVVT variable valve control, regular unleaded,
Stock #: 075638
VIN: KNAFK4A67E5075638

Features

Entertainment: Bluetooth®, CD Player
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Moss Motors review

Love my "new" used jeep patriot

It was a fantastic buying experience. Brady in particular was very responsive, patient and kind. And I was even buying from out of state. I couldn't be happier with pricing, the service, and value.

2014 Kia Forte LX review

Fun, fast, durable!!! BRI PROOF

For buying a used car a manual 6speed at that, I would recommend this car if it has been taken care of like mine. Most definitely.

Vehicle information

Ext. color: Dark Charcoal
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 272325
VIN: 1FADP3F27GL272325

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2016 Ford Focus SE review

I've had my 2016 Focus SE for 9 years this year & will

I've had my 2016 Focus SE for 9 years this year & will drive it until one of us dies. I've never had a problem with it. It gets great gas mileage, is comfortable & roomy. I've hauled many things that others thought wouldn't fit but with the back seats folded down ...no problem. I would recommend a Focus to anyone looking for a reliable vehicle.

Vehicle information

Ext. color: Red
Int. color: WHITE
Drivetrain: Four-wheel Drive
Fuel type: Electric
Transmission: Automatic
Engine: Electric
Stock #: 27629069
VIN: 5YJ3E1EC6NF295816

Features

Convenience: Heated Steering Wheel, Navigation System
Entertainment: Bluetooth®, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Backup Camera, Blind Spot Monitor, Lane Departure Warning
Seating: Leather Seats, Memory Seat

Reviews

CarMax Des Moines review

Someones listening

When you reply to a car search request for more photos it behoves you too include the vehicle and the dealership identifiers in your email, before demanding identirying info from buyers. This dealer accomplished that miniimum standard. Sadly, across the board dealers are so bad at this that carmax gets 4 stars.

2022 Tesla Model 3 Performance review

I own a 2017 Tesla Model S.

I own a 2017 Tesla Model S. It's literally the best car I've ever owned. I have driven it 157,000 miles and haven't done a thing to it except change tires. ZERO maintenance! No more oil changes, fluid flushes, belts, filters, nothing. I haven't even needed new brakes because the car slows it's self down so I rarely even touch the brakes. It cost me $400 to have my electrician put the proper outlet in my garage. I charge from home while I sleep. I am never inconvenienced by having to go to the gas station. No more pumping gas, getting gas on my hands, nothing, dripping down my car. I will NEVER own an ICE engine again. Couldn't be happier and will never go back. If you aren't sure, trust me, you will love every minute of driving this car and you will save money doing it.

Vehicle information

Ext. color: Octane Red Pearlcoat
Int. color: Black
Drivetrain: All-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: Regular Unleaded V-6 3.6 L/220
Stock #: 25M1106
VIN: 2C3CDXMG7PH705048

Features

Convenience: Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, LED Headlights, Stability Control

Reviews

Dewey Dodge Chrysler Jeep Ram review

A+ service

Jared went out of his way to make sure our purchase went smoothly. Dealership has a huge selection of vehicles with reasonable prices. We will definitely look to this dealership for our next Jeep purchase!

2023 Dodge Charger GT AWD review

I am so glad I decided to get a Charger in 2015.

I am so glad I decided to get a Charger in 2015. I now have a 2023 Daytona and LOVE it. Beautiful and fun to drive. Only problem is there is no spare tire, just basically a fix a flat kit.

Vehicle information

Ext. color: Dark Charcoal
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 242285
VIN: 1FADP3F23GL242285

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2016 Ford Focus SE review

I bought the car in 2020 now , I've replaced the water

I bought the car in 2020 now , I've replaced the water pump, alternator, purge valve and normal maintenance, the car gets up to speed on the highway pretty good , is pretty quite , handles good for a economy car, I got a 5 speed manual with all the bells and whistles, I would say it's not bad for the price I paid for it , I guess the automatics are a nightmare to own. If you drive in the snow get snow tires, other than that I hope to hit 200 k with this car

Vehicle information

Ext. color: Obsidian Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 21-31
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 3.5L V6 24V MPFI DOHC
Stock #: M99097X
VIN: JTHBK1GG3F2199097

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Bluetooth®, CD Player, HomeLink, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Tom's Auto Sales review

Joe was my go-to guy at one of the lots where this

Joe was my go-to guy at one of the lots where this vehicle I was interested in is they have four lots in Des Moines. It's always wanting to come up there and have the vehicle taken to another shop nearby and pay to have it inspected so I can find out what it needs and decide if I wanted this still purchase it with whatever it needed and that was no problem but they wanted me to fill out the credit app online and that was cool and Danny but there's no reason to pull a hard hard copy of my credit report if I'm coming up to go look at the vehicle because if there's more things that need to be done to where then I want to put into it I probably wouldn't do the deal and I'd have a hard thing on my credit report that I wouldn't be able to get taken off so other than that them telling me to go do that even though they knew I wanted to get it checked first was my only irritation. But something came up and I had to register another vehicle that I have in my personal access right now so I may have to wait a couple months before I want to go up there and do that but my job allows me to travel all over so I might get to go up there if I can this month and check out the vehicle to see if it's something that I really really want before someone else gets it so yes Joe I appreciate you working with me and look forward to consuming this business transaction soon. Crazy from Energy Illinois

2015 Lexus ES 350 review

I have owned my 2013 ES 350 for 8 years now.

I have owned my 2013 ES 350 for 8 years now. I bought it with 60k miles and now has 260k. The only thing I had to replace was a tensioner pulley which I did myself. Other than brakes. tires and drive belt that's the other thing I've done. Same spark plugs n coils since I bought it, change oil every 7500-10k miles and doesn't burn or use any oil. I honestly drive it like I stole it most the time. I commute 65 miles a day and every trip I take is in this car. The only thing I wish is that the seats were a lil more comfortable but I have seat & back cushion to help with that. I will drive this til it or I die. I have 6 other vehicles and this is driven the most.

Vehicle information

Ext. color: Gray
Int. color: BLACK
Drivetrain: Four-wheel Drive
Fuel type: Electric
Transmission: Automatic
Engine: Electric
Stock #: 26911897
VIN: 5YJ3E1EBXJF105971

Features

Convenience: Navigation System
Entertainment: Bluetooth®, HomeLink, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Backup Camera, Blind Spot Monitor, Lane Departure Warning
Seating: Leather Seats, Memory Seat

Reviews

CarMax Des Moines review

Great selection of quality vehicles

Excellent selection of quality used vehicles. Priced very fairly, but low-balled big time when wanting to sell them my current vehicle to the tune of nearly 20% below KBB trade-in value.

2018 Tesla Model 3 Performance review

Best Car ever!

Best Car ever! Elon Musk and his Tesla company did a great job with this reliable vehicle. Don't want any other car! It is so Reliable. I use it as a business vehicle and don't want anything else. no major breaks, always runs, pre conditioning features and app connection is unbeatable.

Vehicle information

Ext. color: Nautical Blue Metallic
Int. color: Bisque
Drivetrain: Front-wheel Drive
MPG: 26-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: BJ107989M
VIN: JTDBU4EE0BJ107989

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, Satellite Radio, USB Port
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Mercedes-Benz of Des Moines review

The best dealership in Des Moines Iowa and

Anthony Gladney and Brahim Bouhaik go out of their way to make buyers happy. I challenged Brahim to find me the exact car I was looking for with all the features. He followed up days later delivering beyond my expectations while Anthony spared no expense to ensure the purchase was memorable. These guys are above and beyond

2011 Toyota Corolla LE review

I am very happy and very excited about this Corolla

I am very happy and very excited about this Corolla because it is very comfortable and economical on gasoline and an excellent vehicle. And I recommend it to my friends and everyone that this Toyota Corolla is very excellent and very comfortable.

Vehicle information

Ext. color: Pearl White
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 22-30
Fuel type: Gasoline
Transmission: CVT
Engine: VQ 3.5L V-6 DOHC, variable valve control, premium unleaded, engi
Stock #: 449148
VIN: 1N4AA6AP8GC449148

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Bluetooth®, CD Player, HomeLink, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

2016 Nissan Maxima 3.5 SL review

I’ve had my 2016 Maxima for 7 years now.

I’ve had my 2016 Maxima for 7 years now. Sharp looking car. Roomy interior. Mpg not bad. It has been good to me. Definitely recommend it.

*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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