Anticipated closing costs

There are certain normal expenses associated with closing the sale of a house. These expenses are often split between the buyer and seller, as instructed 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 lead you through the process.

Closing costs that are tied to financing    (Learn more)

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

At closing, the following taxes are usually paid    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

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

Sellers: As we get through the details of your deal, not only will I work to get the very best sales price, but I'll also campaign for reduced closing costs. And once we've come to an agreement, I'll walk you through the closing costs so you are informed of exactly what you're paying for.

Buyers: When buying a property in Saratoga 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 previous experience and is required to be within a suitable range so you're not surprised when you show up at the closing appointment. I'll be glad to look at the LE with you, answering your questions and highlighting any estimates that seem questionable.

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