Expected closing costs

There are certain ordinary costs associated with closing the sale of a house. These fees are commonly divided between the buyer and seller, as spelled out 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 lead you through the process.

Closing costs that are tied to your mortgage    (Click here for more information)

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

Taxes commonly paid 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, not only will I work to get the highest sales price, but I'll also advocate for lower closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are informed of exactly where your money is going.

Buyers: If you are buying a house 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 a tolerable range so you're not shocked when you get to the closing appointment. I'll be happy to look over the LE with you, answering your questions and highlighting any estimates that seem unusual.

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