Sellers: As we negotiate your deal, not only will I work to get the optimal sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll fully explain the closing costs so you are informed of exactly what you're paying for. Buyers: If you are purchasing a house, you'll receive 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 past experiences and are required to be within a tolerable range so you're not shocked when you show up at the closing table. I'll be happy to go over the estimate with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.
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