Closing costs you should expect

There are certain typical costs related to closing the sale of a house. These costs are usually divided between the buyer and seller, as directed in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Montana to help guide you through your process.

Loan-related closing costs    (Click here for more information)

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

Taxes you may be responsible for at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we hammer out your transaction, not only will I work to get the very best sales price, but I'll also advocate for reduced closing costs. And once we've come to an agreement, I'll explain in detail the closing costs so you know exactly what you're paying for.

Buyers: When buying a home in Hill County, you will be given a "Loan Estimate" (LE) 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 a reasonable range so you're not startled when you reach the closing appointment. I'll be willing to look over the LE with you, answering your questions and highlighting any estimates that seem unusual.