Closing costs you should expect

There are certain ordinary fees accompanying closing the sale of a house. These costs are commonly split between the buyer and seller, as spelled out in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Florida to help show you through your process.

Closing costs that are tied to your mortgage (More information)

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

Taxes commonly paid at closing (More information)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (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 optimal sales price, but I'll also push for lower closing costs. And once we've come to an agreement, I'll fully explain the closing costs so you are aware of exactly what you're paying for.

Buyers: When purchasing a property in Hillsborough 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 past experiences and is required to be within an appropriate range so you're not surprised when you arrive at the closing table. I'll be happy to go over the LE with you, answering your questions and highlighting any estimates in question.