Don't Forget Closing Costs

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All residential real estate sales involves fixed costs. Sellers and buyers customarily share these costs, as the sales contract specifies.

As indicated below, many of the closing costs result from getting your mortgage loan. Since Mortgage Xperts is highly experienced with closings and mortgages, we can help you understand your closing costs.

Good Faith Estimates (GFEs)

Very soon after you submit your application, we will give you the "Good Faith Estimate" of your closing costs. The closing costs enumerated in the Good Faith Estimate are estimated based on our experience with mortgage loans, but costs usually change a little bit between delivery of the Good Faith Estimate (GFE) and closing. We will be glad to review the "Good Faith Estimate," answering questions and highlighting costs that sometimes change slightly at closing.

Below is a fairly generic list of costs for buying a home. We will provide a specific list of your closing costs when we give you a Good Faith Estimate.

Standard Closing Costs

Loan-Related Costs
  • Appraisal Costs
  • Obtaining Your Credit Report
  • Interest Payment
  • Escrow Account
  • Various Taxes
  • Loan Origination Fee
  • Points — These are costs you pay up-front to lower your mortgage interest rate (optional)
Property Taxes
  • Transfer Taxes and Recording Fees
  • Insurance
Homeowners Insurance
  • Flood or Quake Insurance if applicable
  • Private Mortgage Insurance (PMI)
  • Title Insurance
Mortgage Xperts can help you understand closing costs. Call us: 352-347-3303.

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