What closing costs should you expect?

There are certain normal fees related to closing the sale of a house. These fees are commonly divided between the buyer and seller, as noted 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 deal.

Costs pertaining to your loan to be paid at closing    (Click here for more information)

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

At closing, the following taxes are usually paid    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we negotiate your deal, not only will I work to get the optimal 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 know exactly what you're paying for.

Buyers: When purchasing a home in Pinellas County, you'll 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 past experiences and is required to be within a tolerable range so you're not surprised when you arrive at closing time. I'll be happy to look over the LE with you, answering your questions and highlighting any estimates of concern.

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