What closing costs should you expect?

There are certain ordinary costs linked to closing the sale of a house. These costs are often split between the buyer and seller, as spelled out in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Montana to help lead you through your deal.

Loan-related closing costs    (Learn more)

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

Taxes you may be responsible for at closing    (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 get through the details of your deal, I'll not only work to get the optimal sales price, but I'll also push for limited closing costs. And once we've come to an agreement, I'll give a detailed list of the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are purchasing a property in Hill County, you will get a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within an acceptable range so you're not startled when you come to the closing table. I'll be glad to go through the LE with you, answering your questions and highlighting any estimates that seem unusual.