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What closing costs should you expect?
There are certain standard expenses accompanying closing the sale of a house. These expenses are usually split between the buyer and seller, as instructed in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Oklahoma to help show you through the deal.
Loan-related closing costs
At closing, these taxes are usually collected
Transfer Taxes and Recording Fees
Insurance fees due at closing
Flood or Quake Insurance (optional)
Private Mortgage Insurance (PMI) (optional)
As we negotiate your deal, I'll not only work to get the optimal sales price, but I'll also advocate for reduced closing costs. And once we've reached an agreement, I'll describe in detail the closing costs so you are informed of exactly what you're paying for.
When purchasing a home in Oklahoma 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 previous experience and is required to be within an acceptable range so you're not surprised when you arrive at the closing appointment. I'll be willing to look through the LE with you, answering your questions and highlighting any estimates that are uncertain.
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