Closing costs you should expect

There are certain typical expenses associated with closing the sale of a house. These costs are commonly divided between the buyer and seller, as dictated 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 your process.

Closing costs that are loan-related    (Click here for details)

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

Taxes you may be responsible for at closing    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for details)

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

Sellers: As we get through the details of your transaction, not only will I work to get the very best sales price, but I'll also advocate for reduced closing costs. And once we've reached an agreement, I'll give a detailed list of the closing costs so you are aware of exactly where your money is going.

Buyers: If you're purchasing real estate in Okaloosa County, you will 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 acceptable range so you're not shocked when you come to the closing appointment. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates that seem questionable.

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