Understanding Closing Costs – Access Florida Mortgages, Orlando, FL

Closing Costs

There are certain standard costs associated with closing the sale of a house. These fees are split between the buyer and the seller, as spelled out in the sales contract.

As I negotiate the sales contract for you, I will not only work to get the sales price you want, I will also work to limit the number of closing costs for which you will be responsible.

I will walk you through the closing costs, answering any questions you may have explaining which costs are decreed by law to be yours and which are negotiable.

Good Faith Estimate

Buyers will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low.

Standard Closing Costs

Loan-Related Costs

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

Taxes

Property Taxes
Transfer Taxes and Recording Fees

Insurance

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

Access Florida Mortgages: We search Florida mortgage lenders to find the right Florida mortgage rates and best program for you. We find loans to purchase or refinance a house, debt consolidation, home improvement, 2nd mortgages, investment & commercial properties. Giving you peace of mind during the loan search process by doing all the legwork for you.

Florida Short Sale Center & Orlando Short Sale Center: offer homeowners a way to avoid foreclosure with a short sale and help save their credit. We have a team of licensed Realtors and loss miitigation experts accross the entire state of florida who specialize in pre-foreclosures and the short sale of all types of property.

Florida Mortgage Loans & Programs Offered: New Home Purchases – First Time Home Buyer – Interest Only Loans – Second Mortgages – Jumbo Loans – Home Equity Loans – No Money Down Mortgages – Cash Out Refinancing – Debt Consolidation – Mortgage Refinancing – Home Improvement Loans – Home Loan Refinance – FHA Loans – Bad Credit Mortgage – Variable Mortgages – Commercial Mortgage – Home Mortgages – First Mortgages – Reverse Mortgage – No Documentation Loans – Low Documentation Loans – Foreign National Loans – Condo Hotel Loans – Investment Property Loans.

Florida Mortgage Statewide Metro Service Areas: Cape Coral – Fort Myers, Deltona – Daytona Beach – Ormond Beach, Fort Walton Beach – Crestview – Destin, Gainesville, Homosassa Springs, Jacksonville, Key West – Marathon, Lake City, Lakeland, Miami – Fort Lauderdale – Miami Beach, Naples – Marco Island, Ocala, Okeechobee, Orlando – Kissimmee, Palatka, Palm Bay – Melbourne - Titusville, Palm Coast, Panama City – Lynn Haven, Pensacola – Ferry Pass – Brent, Port St. Lucie – Fort Piece, Punta Gorda, Sarasota – Bradenton – Venice, Sebring, Tallahassee, Tampa – St. Petersburg – Clearwater, The Villages, Vero Beach, Wauchula