Closing costs you should expect

There are certain expected expenses linked to closing the sale of a house. These costs are often split between the buyer and seller, as dictated in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Florida to help lead you through your transaction.

Loan-related closing costs    (More information)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

At closing, these taxes are usually collected    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (More information)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we negotiate your deal, I'll not only work to get the optimal sales price, but I'll also advocate for limited closing costs. And once we've come to an agreement, I'll walk you through the closing costs so you are informed of exactly what you're paying for.

Buyers: If you are purchasing a home in Pinellas County, you will be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within a reasonable range so you're not stunned when you get to the closing table. I'll be happy to look through the LE with you, answering your questions and highlighting any estimates of concern.

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