Don't Forget Closing Costs
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"Closing Costs" are the fees that pay for the various services involved when you sell or buy a home. Sellers & buyers often negotiate to decide how to share these costs.
As the list below indicates, many of the closing costs result from getting your mortgage. Since Bliss Mortgage LLC has extensive experience with closings and mortgages, we can help you understand your closing costs.
Good Faith Estimates (GFEs)
Very shortly after you submit your application, we'll provide you with the "Good Faith Estimate" of your costs. The closing cost estimate comes out of the loan officer's past experience. It's important to note that while our GFEs are very precise, we can't always predict your costs to the penny. We will be glad to review the "Good Faith Estimate," answering questions and pointing out costs that sometimes vary a little bit at the closing table.
Below is a fairly generic list of closing costs. We will always provide you with a specific list of your closing costs when we give you a Good Faith Estimate.
Standard Closing Costs
- Various Taxes
- Loan-related costs
- Points — lower your interest rate (optional)
- Appraisal Costs
- Getting Your Credit Report
- Interest Payment
- Escrow Account
- Transfer Taxes and Recording Fees
- Flood / Quake Insurance
- Private Mortgage Insurance (PMI)
- Title Insurance
At Bliss Mortgage LLC, we answer questions about closing costs every day. Give us a call at 813-966-1888.
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