Expected closing costs

There are certain expected expenses accompanying closing the sale of a house. These fees are commonly divided between the buyer and seller, as dictated in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in New York to help show you through your deal.

Costs pertaining to your loan to be paid at closing    (Details)

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

Taxes commonly paid at closing    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

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

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

Buyers: If you're buying a home in Saratoga 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 previous experience and is required to be within a tolerable range so you're not stunned when you get to closing time. I'll be willing to review the LE with you, answering your questions and highlighting any estimates that seem questionable.

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