Don't forget to factor in closing costs when considering a home sale or purchase. Shannon Wade Henley is experienced at assisting both buyers and sellers when it comes to closings. E-mail or call me today at 850-217-4530 if your needs include a real estate pro ready for the business side of buying and selling.

Anticipated closing costs

There are certain ordinary expenses related to closing the sale of a house. These fees are usually 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 Florida to help lead you through the process.

Costs pertaining to your loan to be paid at closing    (Learn more)

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

Taxes commonly paid at closing    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Learn more)

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

Sellers: As we hammer out your transaction, I'll not only work to get the very best sales price, but I'll also campaign 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 where your money is going.

Buyers: If you are purchasing a home in Mary Esther, you will 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 past experiences and is required to be within an acceptable range so you're not startled when you come to closing time. I'll be glad to look over the GFE with you, answering your questions and highlighting any estimates that seem off.

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