Expected closing costs

There are certain standard fees accompanying closing the sale of a house. These fees are commonly divided between the buyer and seller, as noted in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Florida to help show you through the deal.

Loan-related closing costs (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 get through the details of your sale, I'll not only work to get the very best sales price, but I'll also push for lower closing costs. And once we've reached an agreement, I'll fully explain the closing costs so you are informed of exactly where your money is going.

Buyers: If you're buying a house in Pinellas County, you'll 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 a reasonable range so you're not astonished when you arrive at the closing appointment. I'll be glad to look through the LE with you, answering your questions and highlighting any estimates that seem questionable.