Expected closing costs

There are certain ordinary fees related to closing the sale of a house. These expenses are often split 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 Missouri to help show you through the process.

Loan-related closing costs    (Click here for more information)

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

Taxes you may be responsible for at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we negotiate your transaction, I'll not only work to get the highest sales price, but I'll also push for limited closing costs. And once we've arrived at an agreement, I'll fully explain the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're purchasing a house in St. Louis County, you will be given 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 appropriate range so you're not astonished when you get to the closing appointment. I'll be glad to look through the LE with you, answering your questions and highlighting any estimates that seem questionable.

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