Closing costs you should expect

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

Costs pertaining to your mortgage to be paid at closing    (Learn more)

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

Taxes you may be responsible for at closing    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

  • 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 push for lower closing costs. And once we've arrived at an agreement, I'll fully clarify the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're purchasing real estate 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 reasonable range so you're not shocked when you reach the closing appointment. I'll be glad to look at the LE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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