What closing costs should you expect?

There are certain basic fees associated with closing the sale of a house. These expenses are often split 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 show you through the process.

Closing costs that are tied to your mortgage    (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

At closing, these fees are often due    (Details)

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

Sellers: As we negotiate your deal, not only will I work to get the very best sales price, but I'll also advocate for lower closing costs. And once we've reached an agreement, I'll fully explain the closing costs so you know exactly where your money is going.

Buyers: If you're buying a house in Centre 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 astonished when you arrive at closing time. I'll be willing to review the LE with you, answering your questions and highlighting any estimates that are uncertain.

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