Closing costs you should expect

There are certain basic expenses linked to closing the sale of a house. These expenses are commonly split between the buyer and seller, as dictated 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 lead you through the process.

Closing costs that are tied to financing    (More information)

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

Taxes you may be responsible for at closing    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (More information)

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

Sellers: As we negotiate your sale, not only will I work to get the optimal sales price, but I'll also advocate for reduced closing costs. And once we've arrived at an agreement, I'll fully clarify the closing costs so you know exactly where your money is going.

Buyers: If you're purchasing a home in Okaloosa 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 reasonable range so you're not astonished when you get to closing time. I'll be glad to go through the LE with you, answering your questions and highlighting any estimates that seem questionable.

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