Expected closing costs

There are certain basic fees accompanying closing the sale of a house. These fees are often 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 show you through the transaction.

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

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

At closing, these taxes are usually paid    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Learn more)

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

Sellers: As we hammer out your sale, not only will I work to get the highest sales price, but I'll also advocate for reduced closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are informed of exactly where your money is going.

Buyers: If you're buying real estate 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 previous experience and is required to be within a tolerable range so you're not startled when you get to the closing appointment. I'll be glad to go through the LE with you, answering your questions and highlighting any estimates in question.

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