Closing costs you should expect

There are certain expected fees associated with closing the sale of a house. These costs are usually split between the buyer and seller, as noted 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 deal.

Closing costs that are loan-related    (More information)

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

At closing, the following taxes are usually collected    (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 hammer out your sale, I'll not only work to get the highest sales price, but I'll also push for limited closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you know exactly where your money is going.

Buyers: If you are purchasing a home in Clearfield County, you will 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 tolerable range so you're not stunned when you reach the closing appointment. I'll be glad to go over the LE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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