Closing costs you should expect

There are certain typical expenses related to closing the sale of a house. These costs are often divided between the buyer and seller, as noted 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 show you through your transaction.

Closing costs that are tied to your mortgage    (Details)

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

Taxes you may be responsible for at closing    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

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

Sellers: As we negotiate your transaction, I'll not only work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've arrived at an agreement, I'll explain in detail the closing costs so you are informed of exactly where your money is going.

Buyers: If you are buying a property in Okaloosa County, you'll 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 previous experience and is required to be within a suitable range so you're not surprised when you arrive at closing time. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates that seem unusual.

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