What closing costs should you expect?

There are certain basic fees related to closing the sale of a house. These costs are commonly divided between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Florida to help guide you through your deal.

Costs pertaining to your loan to be paid at closing (Click here for details)

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

At closing, these taxes are usually paid (Click here for details)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (Click here for details)

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

Sellers: As we negotiate your transaction, I'll not only work to get the very best sales price, but I'll also campaign for lower closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you are informed of exactly what you're paying for.

Buyers: If you are purchasing real estate in Pinellas County, you will 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 past experiences and is required to be within an appropriate range so you're not surprised when you reach the closing table. I'll be willing to go over the LE with you, answering your questions and highlighting any estimates that are uncertain.