Sellers: As we get through the details of your sale, I'll not only work to get the highest sales price, but I'll also advocate for lower closing costs. And once we've arrived at an agreement, I'll describe in detail the closing costs so you are informed of exactly where your money is going.
Buyers: When purchasing a home in Clearwater, you will be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's previous experience and are required to be within a suitable range so you're not astonished when you come to closing time. I'll be happy to look through the estimate with you, answering your questions and highlighting any estimates of concern.
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