Closing Costs

There are certain standard costs associated with closing the sale of a house. These fees are split between the buyer and the seller, as spelled out in the sales contract.

As I negotiate the sales contract for you, I will not only work to get the sales price you want, I will also work to limit the number of closing costs for which you will be responsible.

I will walk you through the closing costs, answering any questions you may have explaining which costs are decreed by law to be yours and which are negotiable.

Good Faith Estimate

Buyers will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low.

Standard Closing Costs

Loan-Related Costs

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

Taxes

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance

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


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Karen Sheltz provides Jacksonville, Ponte Vedra Beach and St. Augustine Florida Real Estate information and resources to help guide homeowners and homebuyers through the process of selling and buying a house, condo or other Jacksonville, Ponte Vedra Beach and St. Augustine FL Real Estate property. Karen Sheltz is here to help you get the full value of your Jacksonville, Ponte Vedra Beach and St. Augustine home and can proivide a free comparative market analysis (CMA). On this website view Jacksonville, Ponte Vedra Beach and St. Augustine Florida MLS listings, and more.

Karen Sheltz also provides references to financial-related service providers for consumers looking for houses for sale or selling their home in other areas of Florida, such as mortgages, credit history, new homes, foreclosures and other services. If you plan to do for sale by owner (FSBO), Karen Sheltz is a professional Jacksonville Florida Real Estate agent and can help you buy or sell a home. Whether you say REALTOR®, "Realter" or "Realator", realty, "reality" or "realety", real estate or "realestate", I speak your language.

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