What closing costs should you expect?

There are certain expected expenses associated with closing the sale of a house. These costs are often divided 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 Vermont to help show you through your process.

Closing costs that are tied to your mortgage    (Details)

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

At closing, these taxes are usually paid    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

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

Sellers: As we negotiate your sale, not only will I work to get the very best sales price, but I'll also campaign for reduced closing costs. And once we've arrived at an agreement, I'll walk you through the closing costs so you are aware of exactly what you're paying for.

Buyers: When buying a house in Orleans 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 prior experience and is required to be within an acceptable range so you're not surprised when you come to closing time. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates that are uncertain.

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