Closing costs you should expect

There are certain basic fees related to closing the sale of a house. These costs are usually split 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 show you through your process.

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

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

At closing, the following taxes are usually collected (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 hammer out 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 reached an agreement, I'll give a detailed list of the closing costs so you are informed of exactly what you're paying for.

Buyers: When purchasing a house in Pinellas 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 past experiences and is required to be within a tolerable range so you're not astonished when you show up at the closing appointment. I'll be willing to look over the LE with you, answering your questions and highlighting any estimates of concern.