Anticipated closing costs

There are certain basic fees related to closing the sale of a house. These fees are often 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 transaction.

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

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

Taxes you may be responsible for at closing    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for details)

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

Sellers: As we negotiate your sale, not only will I work to get the optimal sales price, but I'll also advocate for lower closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are informed of exactly where your money is going.

Buyers: If you're purchasing a property in Centre 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 stunned when you come to the closing appointment. I'll be willing to look through the LE with you, answering your questions and highlighting any estimates that are uncertain.

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