Closing costs you should expect

There are certain basic fees associated with closing the sale of a house. These costs are usually divided between the buyer and seller, as directed 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 show you through your transaction.

Closing costs that are loan-related    (More information)

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

At closing, these taxes are usually paid    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (More information)

  • 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 highest 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 are buying a home in Palm Beach County, you will get a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within an acceptable range so you're not startled when you come to the closing appointment. I'll be happy to look at the LE with you, answering your questions and highlighting any estimates that seem questionable.

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