What closing costs should you expect?

There are certain standard fees related to closing the sale of a house. These costs are usually divided between the buyer and seller, as instructed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Pennsylvania to help show you through the process.

Loan-related closing costs (Click here for more information)

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

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

Property Taxes
Transfer Taxes and Recording Fees

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

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

Sellers: As we get through the details of your deal, I'll not only work to get the optimal sales price, but I'll also campaign for limited closing costs. And once we've come to an agreement, I'll fully explain the closing costs so you know exactly where your money is going.

Buyers: If you're buying a property in Clearfield 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 a tolerable range so you're not shocked when you show up at the closing appointment. I'll be glad to look over the LE with you, answering your questions and highlighting any estimates that seem unusual.