First, in saying these things without explaining fully, I'm leery of your agent... but that aside, I think I'm hearing two different things.
He's saying
1. he knows of ways for you to do 100% financing. That's no big trick. I've done it several times. There are many many ways to get real estate with nothing down.
2. I THINK he's offering to pay your points. "Buying down points" in my world usually means taking a higher interest rate to get less or no points... but that is not always to your benefit.
If I were you I'd grill him real good for details and numbers as to exactly what he's saying he can do for you.
Better yet: If he's not friend or family, get another real estate agent and talk to banks and loan brokers yourself for the financing options.
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