
	Don't forget to factor in closing costs when considering a home sale or purchase. Lisa Ingram Kester - Associate Broker is seasoned at helping both buyers and sellers when it comes to closings. E-mail or call us today at 276 647-7772 if your needs include a real estate pro experienced in the business side of buying and selling.

Closing costs you should expect

There are certain standard fees related to closing the sale of a house. These expenses 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 Virginia to help lead you through the deal.

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

Insurance fees due at closing (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 deal, I'll not only work to get the highest sales price, but I'll also campaign for reduced closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're buying real estate in Henry County, you will receive a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within an acceptable range so you're not stunned when you come to the closing table. I'll be willing to look over the GFE with you, answering your questions and highlighting any estimates in question.

Commonwealth LLC Realtors~ Collinsville, Virginia
Lisa Kester
Licensed Associate Broker ~ State of Virginia