What closing costs should you expect?

There are certain basic costs associated with closing the sale of a house. These expenses are usually split between the buyer and seller, as spelled out 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 transaction.

Loan-related closing costs (More information)

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

At closing, these taxes are usually paid (More information)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (More information)

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

Sellers: As we get through the details of your transaction, not only will I work to get the optimal sales price, but I'll also push for lower closing costs. And once we've reached an agreement, I'll fully explain the closing costs so you are aware of exactly where your money is going.

Buyers: When purchasing real estate in Pinellas County, you'll 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 previous experience and is required to be within a suitable range so you're not surprised when you arrive at closing time. I'll be glad to look at the LE with you, answering your questions and highlighting any estimates in question.