Closing costs you should expect

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

Closing costs that are loan-related (Details)

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

At closing, the following taxes are usually paid (Details)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (Details)

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

Sellers: As we hammer out your sale, not only will I work to get the highest sales price, but I'll also advocate for lower closing costs. And once we've arrived at an agreement, I'll explain in detail the closing costs so you are informed of exactly what you're paying for.

Buyers: If you are buying real estate in Pinellas County, you'll 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 reasonable range so you're not stunned when you reach closing time. I'll be happy to go through the LE with you, answering your questions and highlighting any estimates that seem questionable.