Expected closing costs

There are certain basic expenses associated with closing the sale of a house. These costs 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 Missouri to help guide you through your process.

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Costs pertaining to your mortgage to be paid at closing    (Learn more)

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

At closing, these taxes are usually collected    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (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 transaction, not only will I work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've arrived at an agreement, I'll fully clarify the closing costs so you are informed of exactly where your money is going.

Buyers: If you're buying a home in Saint Louis County, you will receive a "Good Faith Estimate" (GFE) 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 a suitable range so you're not astonished when you come to the closing table. I'll be happy to review the GFE with you, answering your questions and highlighting any estimates that seem questionable.

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