Closing Costs

There are certain standard costs associated with closing the sale of a house. These fees are split between the buyer and the seller, as spelled out in the sales contract.

I will walk you through the closing costs, answering any questions you may have explaining which costs are decreed by law to be yours and which are negotiable.

Some or all of the closing costs can be paid by the seller depending on the loan program utilized to finance your new home. 

There is a misconception that closing costs can be included in and "rolled into" the purchase price. That is only true in the case of a refinance of a current mortgage.

Good Faith Estimate

As a Buyer you will receive a "Good Faith Estimate" of closing costs at the time of your loan application. The estimate is based on my 15plus years as a loan officer. I will review the Good Faith Estimate with you and answer any questions you may have at the time of loan application so that you feel comfortable and ensure that you do not have any surprises at the time of closing.

I've heard of enough horror stories from my clients previous dealings with less than reputable lenders.  I want you to rest assured that what you and I discuss at the begging fa the loan process is what is realized at the end of the process!