Closing costs you should expect

There are certain expected expenses linked to closing the sale of a house. These costs are often split between the buyer and seller, as spelled out in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Florida to help show you through the transaction.

Closing costs that are loan-related    (Learn more)

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

Taxes commonly paid 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 get through the details of your sale, not only will I work to get the optimal sales price, but I'll also campaign for reduced closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are informed of exactly where your money is going.

Buyers: If you are purchasing a house in Monroe County, you'll receive 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 suitable range so you're not surprised when you get to the closing appointment. I'll be happy to review the LE with you, answering your questions and highlighting any estimates that seem off.

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