Closing costs you should expect

There are certain ordinary fees accompanying closing the sale of a house. These costs are often divided 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 show you through the transaction.

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

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

Taxes you may be responsible for 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 hammer out your sale, not only will I work to get the highest sales price, but I'll also campaign for reduced closing costs. And once we've come to an agreement, I'll fully explain the closing costs so you are aware of exactly where your money is going.

Buyers: If you are buying a property in Centre County, you'll receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's past experiences and is required to be within an appropriate range so you're not startled when you arrive at closing time. I'll be glad to review the LE with you, answering your questions and highlighting any estimates in question.

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