Don't forget to factor in closing costs when considering a home sale or purchase. Sandy & Ray Realty LLC is seasoned at helping both buyers and sellers when it comes to closings. E-mail or call me today at 352-430-5846 if your needs include a real estate pro experienced in the business side of buying and selling.

Closing costs you should expect

There are certain basic costs linked to closing the sale of a house. These costs are often split between the buyer and seller, as directed in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Florida to help direct you through the transaction.

Loan-related closing costs    (More information)

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

At closing, the following taxes are usually collected    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (More information)

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

Sellers: As we get through the details of your transaction, I'll not only work to get the highest sales price, but I'll also advocate for limited closing costs. And once we've come to an agreement, I'll explain in detail the closing costs so you are informed of exactly where your money is going.

Buyers: If you're purchasing real estate in Mount Dora, you'll get 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 appropriate range so you're not shocked when you get to the closing appointment. I'll be willing to review the GFE with you, answering your questions and highlighting any estimates of concern.

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