What closing costs should you expect?

There are certain standard costs associated with closing the sale of a house. These expenses are usually divided between the buyer and seller, as dictated in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Colorado to help guide you through the deal.

Costs pertaining to your loan to be paid at closing    (Click here for more information)

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

At closing, the following taxes are usually collected    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

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

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

Sellers: As we negotiate your transaction, not only will I 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 explain in detail the closing costs so you know exactly what you're paying for.

Buyers: If you're buying real estate in Larimer County, you'll receive 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 startled when you come to closing time. I'll be willing to go over the LE with you, answering your questions and highlighting any estimates of concern.

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