All residential real estate sales incurs costs. Sellers and buyers almost always share these costs, as the sales contract specifies.
As you'll see below, many of the closing costs result from getting your loan. Since Mortgage Headquarters of Missouri, Inc is highly experienced with closings & mortgages, we are closing cost experts.
Very shortly after you apply for a loan, we'll give you the "Loan Estimate" of your closing costs. The closing costs enumerated in the Loan Estimate are estimated based on Mortgage Headquarters of Missouri, Inc's experience with mortgage loans, but costs often vary a little bit between delivery of the Loan Estimate (LE) and closing. We answer buyers' questions about these costs every day at Mortgage Headquarters of Missouri, Inc, so please feel free to contact us if we can help answer your questions.
Below you'll find a generic list of costs for buying residential real estate. We will always provide a specific list of your closing costs when we give you a Loan Estimate.
Standard Closing Costs Loan-Related Costs Appraisal Fee Pulling Your Credit Report Up-front Interest Payment Escrow Account TaxesLoan-related costs Points — A fee paid to lower your interest rate (optional) Property Taxes Insurance Transfer Taxes and Recording Fees Homeowners Insurance Private Mortgage Insurance (PMI) Title Insurance Flood / Earthquake Insurance if applicable
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