Closing costs you should expect

There are certain normal costs accompanying closing the sale of a house. These fees are often split between the buyer and seller, as dictated in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Maine to help lead you through your transaction.

Loan-related closing costs    (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

At closing, these fees are often due    (Details)

  • 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 highest sales price, but I'll also advocate for limited closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you know exactly what you're paying for.

Buyers: If you're buying a home in Kennebec County, you will 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 prior experience and is required to be within an appropriate range so you're not startled when you get to the closing appointment. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates that seem questionable.

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