Closing costs you should expect

There are certain ordinary expenses related to closing the sale of a house. These expenses are commonly divided between the buyer and seller, as instructed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Ohio to help guide you through the transaction.

Costs pertaining to your mortgage to be paid at closing    (Click here for details)

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

At closing, the following taxes are usually collected    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for details)

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

Sellers: As we get through the details of your sale, 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 reached an agreement, I'll give a detailed list of the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're buying a home in Warren 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 prior experience and is required to be within an acceptable range so you're not stunned when you come to the closing table. I'll be glad to go over the LE with you, answering your questions and highlighting any estimates of concern.

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