Closing costs you should expect

There are certain standard costs linked to closing the sale of a house. These expenses are usually split between the buyer and seller, as instructed 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 guide you through your deal.

Closing costs that are loan-related    (More information)

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

At closing, these taxes are usually paid    (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 deal, not only will I work to get the highest sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll fully explain the closing costs so you are informed of exactly where your money is going.

Buyers: If you're buying a home in Centre County, you will 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 prior experience and is required to be within a suitable range so you're not astonished when you show up at the closing appointment. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates in question.

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