Closing costs you should expect

There are certain normal expenses related to closing the sale of a house. These fees are commonly split between the buyer and seller, as dictated in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Connecticut to help show you through the transaction.

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

Insurance fees due at closing    (Click here for more information)

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

Sellers: As we get through the details of your sale, not only will I work to get the highest sales price, but I'll also campaign for reduced closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are purchasing real estate in Hartford 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 a tolerable range so you're not astonished when you come to the closing appointment. I'll be glad to look over the LE with you, answering your questions and highlighting any estimates that seem questionable.

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