Why Choose
What Are Closing Costs?
Closing costs are the fees and expenses you pay at the end of the home-buying process to finalize your purchase. They typically cover services such as loan origination, property taxes, title insurance, and more. Understanding these costs is essential for planning your budget and avoiding surprises.
Common Closing Costs You May Encounter
Loan Origination Fees
Charged by your lender for processing your mortgage application and setting up your loan.Appraisal Fees
Covers the professional evaluation of your property’s market value to ensure it aligns with the loan amount.Title Insurance
Protects you and the lender from potential legal issues with the property’s title.Escrow Fees
Paid to the escrow company for managing the transaction and ensuring funds are distributed appropriately.Property Taxes
Covers a portion of the annual taxes on your new home, typically prorated at closing.Homeowners Insurance
Required by most lenders, this policy protects your home and belongings from damage or loss.Transfer Taxes
Fees imposed by the local or state government for transferring the property title to your name.Inspection Fees
If not paid earlier, this covers the cost of a professional home inspection for any issues or repairs needed.help
How I Help with Closing Costs
Transparent Guidance
I’ll break down all potential costs and ensure you understand what to expect before closing day.
Negotiation Assistance
In some cases, I can negotiate with the seller to cover part of your closing costs, saving you money.
Budget Planning
I’ll help you estimate total closing costs and incorporate them into your overall home-buying budget.
Reliable Recommendations
I connect you with trusted lenders, attorneys, and escrow agents to ensure a smooth closing experience.
Tips for Managing Closing Costs
Plan Ahead
Start saving early to cover the additional costs beyond your down payment.
Review Loan Estimates
Your lender will provide a detailed estimate of closing costs upfront—review this carefully for accuracy.
Ask About Credits
Some sellers may offer credits toward closing costs, especially in competitive markets or with skilled negotiation.
Shop for Services
You can often shop for title insurance and other services to find better rates.
