Closing costs you should expect

There are certain expected costs related to closing the sale of a house. These fees are commonly split between the buyer and seller, as spelled out in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Pennsylvania to help lead you through your process.

Closing costs that are tied to your mortgage (More information)

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

At closing, the following taxes are usually paid (More information)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (More information)

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

Sellers: As we negotiate your transaction, not only will I work to get the highest sales price, but I'll also push for reduced closing costs. And once we've come to an agreement, I'll walk you through the closing costs so you are aware of exactly what you're paying for.

Buyers: If you're buying a property in Clearfield 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 an acceptable range so you're not surprised when you arrive at the closing appointment. I'll be glad to look over the LE with you, answering your questions and highlighting any estimates that are uncertain.