Closing costs you should expect

There are certain normal fees accompanying closing the sale of a house. These costs are commonly 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 Pennsylvania to help lead you through the transaction.

Costs pertaining to your mortgage to be paid at closing    (Click here for more information)

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

At closing, these taxes are usually collected    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (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 transaction, not only will I work to get the optimal sales price, but I'll also campaign for reduced closing costs. And once we've come to an agreement, I'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: When purchasing real estate in Clearfield County, you will 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 shocked when you arrive at closing time. I'll be glad to look at the LE with you, answering your questions and highlighting any estimates that seem off.

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