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 spelled out in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Missouri to help show you through your process.

Costs pertaining to your loan to be paid at closing    (Click here for more information)

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

At closing, these taxes are usually paid    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

  • 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 optimal sales price, but I'll also push for lower closing costs. And once we've arrived at an agreement, I'll walk you through the closing costs so you are aware of exactly where your money is going.

Buyers: If you're buying a home in Saint Louis 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 prior experience and is required to be within a tolerable range so you're not astonished when you get to the closing appointment. I'll be glad to look over the LE with you, answering your questions and highlighting any estimates that seem unusual.

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