Expected closing costs

 Xcellence Realty INC can walk you through closing - 850-232-8844
There are certain normal costs accompanying closing the sale of a home. These expenses are usually 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 Florida to help guide you through the deal.

Closing costs that are tied to your mortgage    (Click here for details)

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

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

  • Property Taxes
  • Transfer Taxes and Recording Fees

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

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

Sellers: As we hammer out your transaction, we'll not only work to get the very best sales price, but we'll also push for limited closing costs. And once we've reached an agreement, we'll walk you through the closing costs so you are aware of exactly where your money is going.

Buyers: If you're buying a house in Pensacola, you'll be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's previous experience and are required to be within a suitable range so you're not shocked when you reach the closing appointment. We'll be happy to go through the estimate with you, answering your questions and highlighting any estimates of concern.

Don't forget to factor in closing costs when considering a home sale or purchase. Xcellence Realty INC is seasoned at assisting both buyers and sellers when it comes to closings. E-mail or call me today at 850-232-8844 if your needs include a professional REALTOR® ready for the business side of buying and selling.

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