Expected closing costs

There are certain normal costs associated with closing the sale of a house. These costs are usually divided between the buyer and seller, as spelled out 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.

Closing costs that are tied to your mortgage    (Click here for more information)

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

At closing, these taxes are usually collected    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

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

Sellers: As we hammer out your transaction, not only will I work to get the very best sales price, but I'll also advocate for limited closing costs. And once we've come to an agreement, I'll fully explain the closing costs so you are aware of exactly where your money is going.

Buyers: If you're purchasing real estate 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 prior experience and is required to be within an appropriate range so you're not stunned when you come to the closing table. I'll be happy to look over the LE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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