Closing costs you should expect

There are certain ordinary expenses accompanying closing the sale of a house. These expenses are usually divided 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 New York to help show you through your transaction.

Closing costs that are loan-related    (Learn more)

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

Taxes commonly paid at closing    (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 negotiate your sale, not only will I work to get the very best sales price, but I'll also advocate for lower closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you know exactly what you're paying for.

Buyers: If you're buying a home in Saratoga County, you will 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 past experiences and is required to be within an acceptable range so you're not shocked when you show up at the closing appointment. I'll be glad to go over the LE with you, answering your questions and highlighting any estimates of concern.

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