Closing costs you should expect

There are certain basic fees related to closing the sale of a house. These costs are often split between the buyer and seller, as directed 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 show you through the process.

Costs pertaining to your mortgage to be paid at closing    (Details)

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

At closing, these taxes are usually collected    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (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 push for reduced closing costs. And once we've reached an agreement, I'll give a detailed list of 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 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 previous experience and is required to be within a reasonable range so you're not astonished when you come to the closing table. I'll be happy to go through the LE with you, answering your questions and highlighting any estimates that seem questionable.

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