Closing costs you should expect

There are certain basic costs linked to closing the sale of a home. These fees are usually split between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Florida to help guide you through the process.

Costs pertaining to your mortgage to be paid at closing    (Click here for details)

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

At closing, these taxes are usually paid    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

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

  • 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 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.

Finding the right home at the right price is just one part of a home sale or purchase.  Donna Librea is experienced at helping both buyers and sellers when it comes to closings. E-mail or call her today at (954) 673-2649 if your needs include a real estate pro experienced in the business side of real estate.

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