What closing costs should you expect?

 Heartland Mortgage Corp can walk you through closing - 6319560280
There are certain basic fees associated with closing the sale of a house. These fees are often split between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in New York to help lead you through the transaction.

Loan-related closing costs    (More information)

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

Taxes commonly paid at closing    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (More information)

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

Sellers: As we get through the details of your deal, not only will we work to get the optimal sales price, but we'll also push for reduced closing costs. And once we've come to an agreement, we'll give a detailed list of the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are purchasing a property in East Islip, you'll receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's past experiences and are required to be within a reasonable range so you're not surprised when you get to the closing table. We'll be glad to go through the estimate with you, answering your questions and highlighting any estimates of concern.

Finding the right home at the right price is just one part of a home sale or purchase. Heartland Mortgage Corp is experienced at assisting both buyers and sellers when it comes to closings. E-mail or call me today at 6319560280 if your needs include a professional REALTOR® experienced in the business side of buying and selling.

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