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.