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 your real estate agent and I help you to negotiate the sales contract, 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   Today's Rates: Mtg Loan     Rate   APR 30-yr Fixed 3.87% 4% 15-yr Fixed 3.14% 3.31% 1-yr Adj 2.76% 3.42% * national averages Forbes Life News:   Car of the Week: 2012 Mercedes-Benz C250   New Book: Design Voices   Can Greenway Medical Keep Up The Momentum After Its IPO?   Repealing the CLASS Act   Congressional Research Service: Courts Could Force HHS to Implement CLASS Act, Despite Its Insolvency More news... These articles are property of Forbes.com and protected by copyright.

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Thank you for visiting my website, I hope you found what you were looking for. I would appreciate the opportunity to earn the chance to become your loan officer when you purchase your next new home or refinance your current home.

Not all loan officers are the same and not all lenders are the same. I am certain you will not be disappointed if you provide me the time to prove I will be that one loan officer who will show you all your options, get you what you need and want, and if I cannot provide it all to you I will refer you to someone who can, when possible.

If you still have questions, if you want to discuss your situation, if you want to get started, what ever your need, you are always welcome to reach out to me. Please feel free to call or email me.

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No Lender Closing Costs - 5% Down Payment Conventional with No Mortgage Insurance - Zero Down Payment - Down Payment Assistance Help - FHA 203k Renovation Mortgage - First Time Home Buyer Programs - USDA Rural Development

NMLS# 297044    State of Missouri# 1365-MLO

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