Finding the right home at the right price is just one part of a real estate transaction. Heartland Realty of Hays, LLC is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call us today at 7856217272 if your needs include a professional REALTOR® ready for the business side of buying and selling.

Anticipated closing costs

There are certain basic fees accompanying closing the sale of a house. These fees are often split between the buyer and seller, as directed in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Kansas to help lead you through your deal.

Costs pertaining to your loan to be paid at closing    (Click here for details)

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

Taxes commonly paid at closing    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for details)

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

Sellers: As we negotiate your transaction, I'll not only work to get the highest sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll explain in detail the closing costs so you are aware of exactly what you're paying for.

Buyers: When purchasing a property in Ellis County, you will get 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 past experiences and is required to be within a tolerable range so you're not stunned when you get to the closing table. I'll be happy to look at the GFE with you, answering your questions and highlighting any estimates that seem unusual.

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Heartland Realty of Hays, LLC 1502 Vine St Hays, KS 67601-3455
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