Closing costs you should expect

There are certain normal expenses accompanying closing the sale of a house. These expenses 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 show you through the process.

Costs pertaining to your loan to be paid at closing    (Click here for details)

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

At closing, these taxes are usually paid    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for details)

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

Sellers: As we hammer out your deal, I'll not only work to get the highest sales price, but I'll also push for reduced closing costs. And once we've come to an agreement, I'll give a detailed list of the closing costs so you are aware of exactly where your money is going.

Buyers: If you are buying a house in Kennebec County, you will be given 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 a tolerable range so you're not surprised when you come to closing time. I'll be willing to look through the LE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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