All residential real estate sales involves certain costs. Buyers and sellers almost always split these costs, as the sales contract specifies.
As indicated below, many of the closing costs result from getting your loan. Since Bright Vision Mortgage is highly experienced with closings and mortgages, we are closing cost experts.
Soon after you apply for a loan, we'll give you the "Loan Estimate" of your closing costs. This closing cost estimate comes out of our past experience. It's important to note that while our LEs are very accurate, we can't always estimate closing costs to the penny. We handle questions about these costs every day at Bright Vision Mortgage, so please be sure to contact us if we can help answer your questions.
We've provided a general list of closing costs below, but we will give you a specific list of closing costs, with amounts, very soon after you have completed your loan application. At Bright Vision Mortgage, we don't believe in surprises, so if your costs change, we'll be sure to let you know immediately.
Standard Closing Costs Loan-Related Costs Points — lower your interest rate (optional) Appraisal Costs Credit Report Interest Payment Escrow Account Various TaxesLoan Origination Fee Property Taxes InsuranceRecording Fees and Transfer Taxes Homeowners Insurance Flood or Quake Insurance Private Mortgage Insurance (PMI) Title Insurance
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