Closing costs you should expect

There are certain expected expenses related to closing the sale of a house. These expenses are commonly divided 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 Pennsylvania to help guide you through your transaction.

Costs pertaining to your loan to be paid at closing    (Details)

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

At closing, the following taxes are usually paid    (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 sale, I'll not only work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're buying a home in Clearfield County, you'll be given 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 reasonable range so you're not startled when you show up at closing time. I'll be willing to look over the LE with you, answering your questions and highlighting any estimates in question.

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