What closing costs should you expect?

There are certain normal fees linked to closing the sale of a house. These fees are usually split between the buyer and seller, as directed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Montana to help guide you through the transaction.

Costs pertaining to your mortgage to be paid at closing    (Learn more)

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

At closing, the following taxes are usually collected    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Learn more)

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

Sellers: As we negotiate your deal, I'll not only work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've come to an agreement, I'll explain in detail the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are purchasing a home in Hill County, you'll 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 an acceptable range so you're not astonished when you reach the closing appointment. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates that seem unusual.