"Closing Costs" are the fees which cover various services involved when you sell or buy a home. Sellers & buyers negotiate the payment of these costs.
As indicated below, many of the closing costs result from getting your mortgage. At Mortgage Headquarters of Missouri, Inc, we are highly experienced in mortgage lending, so we can provide you with a comprehensive report on mortgage-related costs in your "Loan Estimate".
Soon after you apply for a loan, we'll give you a "Loan Estimate" of your costs. The closing costs enumerated in the LE are estimated based on Mortgage Headquarters of Missouri, Inc's experience with mortgage loans, but costs usually vary by small amounts between delivery of the Loan Estimate (LE) and closing. We review LEs with buyers every day, so we are happy to answer your questions about closing costs.
Below you'll find a generic list of costs for buying a home. We will provide a specific list of your closing costs when we give you a Loan Estimate.
Standard Closing Costs Loan-Related Costs Points — lower your interest rate (optional) Appraisal Costs Credit Report Up-front Interest Payment Escrow Fees TaxesLoan Origination Fee Property Taxes Recording Fees and Transfer Taxes Insurance Homeowners Insurance Title Insurance Flood / Earthquake Insurance if applicablePrivate Mortgage Insurance (PMI)
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