Don't forget to factor in closing costs when considering a home sale or purchase. Harrell Realty, Inc is experienced at assisting both buyers and sellers when it comes to closings. E-mail or call us today at (850) 539-1000 if your needs include a real estate pro ready for the business side of buying and selling.

Closing costs you should expect

There are certain standard fees linked to closing the sale of a house. These expenses are often split between the buyer and seller, as instructed in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Florida to help lead you through the process.

Closing costs that are loan-related    (Details)

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

At closing, these taxes are usually collected    (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 optimal sales price, but I'll also campaign for reduced closing costs. And once we've reached an agreement, I'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: If you're buying real estate in Gadsden County, you'll be given a "Good Faith Estimate" (GFE) 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 appropriate range so you're not stunned when you show up at the closing table. I'll be happy to look at the GFE with you, answering your questions and highlighting any estimates of concern.how up at the closing table. I'll be happy to look at the GFE with you, answering your questions and highlighting any estimates of concern.

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